Call reports 2008
AMERICAN BUSINESS BANK — 2008
What AMERICAN BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 610,342,000 | 654,092,000 | 708,096,000 | 746,627,000 |
| Total loans | 281,117,000 | 286,840,000 | 315,958,000 | 323,389,000 |
| Allowance for loan losses | 3,819,000 | 3,909,000 | 3,999,000 | 4,224,000 |
| Securities available for sale | 139,135,000 | 178,720,000 | 231,633,000 | 291,730,000 |
| Securities held to maturity | 38,012,000 | 41,937,000 | 36,683,000 | 35,725,000 |
| Trading assets | 90,124,000 | 82,424,000 | 59,057,000 | 42,310,000 |
| Total deposits | 529,857,000 | 568,831,000 | 610,706,000 | 646,772,000 |
| Interest-bearing deposits | 352,093,000 | 381,499,000 | 409,917,000 | 427,085,000 |
| Noninterest-bearing deposits | 177,764,000 | 187,332,000 | 200,789,000 | 219,687,000 |
| Equity capital | 45,807,000 | 45,687,000 | 43,910,000 | 47,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,709,000 | 14,974,000 | 22,857,000 | 31,247,000 |
| Interest expense | 2,443,000 | 4,312,000 | 6,199,000 | 8,094,000 |
| Net interest income | 5,266,000 | 10,662,000 | 16,658,000 | 23,153,000 |
| Noninterest income | 171,000 | 379,000 | 826,000 | 1,074,000 |
| Noninterest expense | 4,265,000 | 8,204,000 | 12,774,000 | 17,652,000 |
| Provision for loan losses | 114,000 | 204,000 | 294,000 | 519,000 |
| Pretax income | 1,448,000 | 3,160,000 | 5,067,000 | 6,905,000 |
| Income tax | 347,000 | 741,000 | 1,201,000 | 1,564,000 |
| Net income | 1,101,000 | 2,419,000 | 3,866,000 | 5,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,458,000 | 49,126,000 | 50,892,000 | 52,719,000 |
| Total capital | 51,313,000 | 53,131,000 | 55,047,000 | 57,166,000 |
| Risk-weighted assets | 389,572,000 | 411,747,000 | 433,728,000 | 428,540,000 |