Call reports 2015
AMERICAN BUSINESS BANK — 2015
What AMERICAN BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,505,873,000 | 1,528,253,000 | 1,612,202,000 | 1,673,770,000 |
| Total loans | 662,767,000 | 670,044,000 | 671,599,000 | 705,633,000 |
| Allowance for loan losses | 12,694,000 | 12,695,000 | 12,744,000 | 12,758,000 |
| Securities available for sale | 739,223,000 | 737,311,000 | 820,624,000 | 878,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 94,000 | 92,000 | 89,000 | 87,000 |
| Total deposits | 1,350,542,000 | 1,387,413,000 | 1,465,019,000 | 1,524,175,000 |
| Interest-bearing deposits | 658,912,000 | 648,783,000 | 701,620,000 | 730,791,000 |
| Noninterest-bearing deposits | 691,630,000 | 738,630,000 | 763,399,000 | 793,384,000 |
| Equity capital | 124,744,000 | 123,586,000 | 128,377,000 | 131,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,870,000 | 21,756,000 | 33,368,000 | 45,016,000 |
| Interest expense | 345,000 | 672,000 | 999,000 | 1,350,000 |
| Net interest income | 10,525,000 | 21,084,000 | 32,369,000 | 43,666,000 |
| Noninterest income | 829,000 | 1,376,000 | 2,058,000 | 2,236,000 |
| Noninterest expense | 7,381,000 | 14,963,000 | 23,074,000 | 31,114,000 |
| Provision for loan losses | 50,000 | 25,000 | 50,000 | 35,000 |
| Pretax income | 4,107,000 | 8,173,000 | 12,110,000 | 16,164,000 |
| Income tax | 1,111,000 | 2,077,000 | 2,989,000 | 4,059,000 |
| Net income | 2,996,000 | 6,096,000 | 9,121,000 | 12,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,162,000 | 117,164,000 | 120,455,000 | 123,378,000 |
| Total capital | 122,706,000 | 126,769,000 | 130,075,000 | 133,224,000 |
| Risk-weighted assets | 753,962,000 | 759,024,000 | 760,237,000 | 778,422,000 |