Call reports 2009
AMERICAN BUSINESS BANK — 2009
What AMERICAN BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 786,062,000 | 843,142,000 | 857,068,000 | 901,300,000 |
| Total loans | 329,589,000 | 334,604,000 | 351,151,000 | 365,520,000 |
| Allowance for loan losses | 4,542,000 | 4,837,000 | 5,137,000 | 5,492,000 |
| Securities available for sale | 306,612,000 | 353,597,000 | 391,659,000 | 455,288,000 |
| Securities held to maturity | 36,367,000 | 35,377,000 | 35,552,000 | 35,973,000 |
| Trading assets | 32,669,000 | 29,826,000 | 201,000 | 195,000 |
| Total deposits | 688,637,000 | 753,445,000 | 765,971,000 | 782,858,000 |
| Interest-bearing deposits | 449,844,000 | 470,308,000 | 473,188,000 | 494,426,000 |
| Noninterest-bearing deposits | 238,793,000 | 283,137,000 | 292,783,000 | 288,432,000 |
| Equity capital | 48,046,000 | 50,760,000 | 57,675,000 | 56,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,058,000 | 16,227,000 | 24,778,000 | 33,460,000 |
| Interest expense | 1,586,000 | 3,075,000 | 4,447,000 | 5,753,000 |
| Net interest income | 6,472,000 | 13,152,000 | 20,331,000 | 27,707,000 |
| Noninterest income | 229,000 | 451,000 | 944,000 | 1,353,000 |
| Noninterest expense | 5,018,000 | 10,098,000 | 15,565,000 | 20,590,000 |
| Provision for loan losses | 318,000 | 613,000 | 913,000 | 1,268,000 |
| Pretax income | 1,693,000 | 3,725,000 | 5,947,000 | 8,690,000 |
| Income tax | 348,000 | 704,000 | 1,076,000 | 1,465,000 |
| Net income | 1,345,000 | 3,021,000 | 4,871,000 | 7,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,415,000 | 53,955,000 | 55,889,000 | 60,818,000 |
| Total capital | 57,186,000 | 59,021,000 | 61,260,000 | 66,544,000 |
| Risk-weighted assets | 447,739,000 | 451,567,000 | 465,148,000 | 477,536,000 |