Call reports 2013
AMERICAN BUSINESS BANK — 2013
What AMERICAN BUSINESS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,301,960,000 | 1,300,123,000 | 1,356,413,000 | 1,353,074,000 |
| Total loans | 526,600,000 | 566,402,000 | 569,485,000 | 579,585,000 |
| Allowance for loan losses | 10,211,000 | 10,743,000 | 10,924,000 | 11,152,000 |
| Securities available for sale | 707,706,000 | 650,632,000 | 680,017,000 | 644,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 129,000 | 127,000 | 122,000 | 112,000 |
| Total deposits | 1,113,954,000 | 1,142,380,000 | 1,203,423,000 | 1,240,001,000 |
| Interest-bearing deposits | 598,222,000 | 585,238,000 | 630,364,000 | 662,465,000 |
| Noninterest-bearing deposits | 515,732,000 | 557,142,000 | 573,059,000 | 577,536,000 |
| Equity capital | 104,564,000 | 99,485,000 | 95,397,000 | 95,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,094,000 | 20,400,000 | 30,874,000 | 41,344,000 |
| Interest expense | 526,000 | 988,000 | 1,407,000 | 1,831,000 |
| Net interest income | 9,568,000 | 19,412,000 | 29,467,000 | 39,513,000 |
| Noninterest income | 21,000 | 306,000 | 688,000 | 980,000 |
| Noninterest expense | 6,073,000 | 12,675,000 | 18,878,000 | 25,269,000 |
| Provision for loan losses | 300,000 | 1,150,000 | 1,450,000 | 1,675,000 |
| Pretax income | 5,905,000 | 11,542,000 | 15,927,000 | 20,148,000 |
| Income tax | 1,970,000 | 3,977,000 | 5,271,000 | 6,655,000 |
| Net income | 3,935,000 | 7,565,000 | 10,656,000 | 13,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,696,000 | 100,340,000 | 103,878,000 | 107,545,000 |
| Total capital | 102,152,000 | 108,418,000 | 112,231,000 | 115,999,000 |
| Risk-weighted assets | 593,336,000 | 643,169,000 | 665,323,000 | 673,107,000 |