Call reports 2012
AMERICAN BUSINESS BANK — 2012
What AMERICAN BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,195,106,000 | 1,229,848,000 | 1,272,610,000 | 1,298,878,000 |
| Total loans | 415,070,000 | 435,236,000 | 447,482,000 | 504,274,000 |
| Allowance for loan losses | 9,234,000 | 9,542,000 | 9,846,000 | 10,537,000 |
| Securities available for sale | 705,628,000 | 703,521,000 | 737,963,000 | 733,118,000 |
| Securities held to maturity | 18,588,000 | 16,234,000 | 15,206,000 | 0 |
| Trading assets | 136,000 | 134,000 | 133,000 | 131,000 |
| Total deposits | 1,024,267,000 | 1,070,408,000 | 1,060,216,000 | 1,066,966,000 |
| Interest-bearing deposits | 551,212,000 | 575,409,000 | 527,143,000 | 544,608,000 |
| Noninterest-bearing deposits | 473,055,000 | 494,998,000 | 533,073,000 | 522,358,000 |
| Equity capital | 89,469,000 | 96,012,000 | 100,397,000 | 103,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,467,000 | 19,160,000 | 29,469,000 | 39,314,000 |
| Interest expense | 769,000 | 1,495,000 | 2,120,000 | 2,747,000 |
| Net interest income | 8,698,000 | 17,665,000 | 27,349,000 | 36,567,000 |
| Noninterest income | 109,000 | 425,000 | 948,000 | 1,321,000 |
| Noninterest expense | 5,707,000 | 11,386,000 | 17,155,000 | 23,757,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,600,000 |
| Pretax income | 3,412,000 | 7,482,000 | 12,556,000 | 16,233,000 |
| Income tax | 1,008,000 | 2,414,000 | 4,155,000 | 5,349,000 |
| Net income | 2,404,000 | 5,068,000 | 8,401,000 | 10,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,576,000 | 84,348,000 | 87,799,000 | 90,605,000 |
| Total capital | 87,471,000 | 90,538,000 | 94,118,000 | 97,607,000 |
| Risk-weighted assets | 467,932,000 | 491,519,000 | 501,605,000 | 556,216,000 |