Call reports 2010
AMERICAN BUSINESS BANK — 2010
What AMERICAN BUSINESS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 920,540,000 | 948,665,000 | 985,099,000 | 1,008,972,000 |
| Total loans | 363,413,000 | 376,674,000 | 378,930,000 | 408,604,000 |
| Allowance for loan losses | 5,789,000 | 6,064,000 | 6,539,000 | 7,050,000 |
| Securities available for sale | 453,080,000 | 460,927,000 | 516,664,000 | 530,121,000 |
| Securities held to maturity | 36,400,000 | 36,722,000 | 31,469,000 | 31,755,000 |
| Trading assets | 178,000 | 176,000 | 146,000 | 145,000 |
| Total deposits | 837,098,000 | 860,574,000 | 890,125,000 | 876,631,000 |
| Interest-bearing deposits | 520,042,000 | 531,973,000 | 556,685,000 | 529,557,000 |
| Noninterest-bearing deposits | 317,056,000 | 328,601,000 | 333,440,000 | 347,074,000 |
| Equity capital | 59,104,000 | 63,735,000 | 69,715,000 | 66,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,909,000 | 17,910,000 | 26,724,000 | 35,879,000 |
| Interest expense | 1,230,000 | 2,440,000 | 3,555,000 | 4,579,000 |
| Net interest income | 7,679,000 | 15,470,000 | 23,169,000 | 31,300,000 |
| Noninterest income | 140,000 | 624,000 | 935,000 | 1,366,000 |
| Noninterest expense | 5,989,000 | 11,472,000 | 16,638,000 | 21,997,000 |
| Provision for loan losses | 297,000 | 572,000 | 1,047,000 | 1,783,000 |
| Pretax income | 2,243,000 | 5,222,000 | 8,038,000 | 10,980,000 |
| Income tax | 362,000 | 1,115,000 | 1,612,000 | 2,279,000 |
| Net income | 1,881,000 | 4,107,000 | 6,426,000 | 8,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,297,000 | 63,623,000 | 65,726,000 | 67,980,000 |
| Total capital | 67,336,000 | 69,962,000 | 71,705,000 | 73,977,000 |
| Risk-weighted assets | 483,104,000 | 526,172,000 | 477,473,000 | 478,384,000 |