Call reports 2014
AMERICAN BUSINESS BANK — 2014
What AMERICAN BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,392,813,000 | 1,459,278,000 | 1,477,608,000 | 1,535,724,000 |
| Total loans | 599,727,000 | 633,624,000 | 638,709,000 | 658,404,000 |
| Allowance for loan losses | 11,661,000 | 12,314,000 | 12,531,000 | 12,544,000 |
| Securities available for sale | 694,443,000 | 714,191,000 | 741,830,000 | 790,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 110,000 | 109,000 | 106,000 | 96,000 |
| Total deposits | 1,243,440,000 | 1,264,561,000 | 1,272,968,000 | 1,364,533,000 |
| Interest-bearing deposits | 666,145,000 | 664,492,000 | 660,589,000 | 668,985,000 |
| Noninterest-bearing deposits | 577,295,000 | 600,069,000 | 612,379,000 | 695,548,000 |
| Equity capital | 103,425,000 | 109,687,000 | 115,175,000 | 119,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 10,460,000 | 21,245,000 | 31,878,000 | 42,402,000 |
| Interest expense | 404,000 | 796,000 | 1,168,000 | 1,533,000 |
| Net interest income | 10,056,000 | 20,449,000 | 30,710,000 | 40,869,000 |
| Noninterest income | 515,000 | 1,320,000 | 1,900,000 | 2,193,000 |
| Noninterest expense | 6,461,000 | 13,064,000 | 19,884,000 | 26,772,000 |
| Provision for loan losses | 300,000 | 550,000 | 748,000 | 898,000 |
| Pretax income | 3,817,000 | 8,372,000 | 12,566,000 | 16,554,000 |
| Income tax | 1,122,000 | 2,634,000 | 3,914,000 | 5,098,000 |
| Net income | 2,695,000 | 5,738,000 | 8,652,000 | 11,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,364,000 | 113,735,000 | 116,827,000 | 119,789,000 |
| Total capital | 119,167,000 | 123,156,000 | 126,288,000 | 129,469,000 |
| Risk-weighted assets | 700,841,000 | 750,256,000 | 753,248,000 | 771,001,000 |