Call reports 2016
AMERICAN BUSINESS BANK — 2016
What AMERICAN BUSINESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,744,636,000 | 1,664,532,000 | 1,816,837,000 | 1,853,553,000 |
| Total loans | 692,089,000 | 741,588,000 | 752,536,000 | 801,340,000 |
| Allowance for loan losses | 12,801,000 | 12,899,000 | 12,928,000 | 12,965,000 |
| Securities available for sale | 925,242,000 | 802,969,000 | 937,724,000 | 953,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 85,000 | 77,000 | 75,000 | 73,000 |
| Total deposits | 1,550,861,000 | 1,503,790,000 | 1,606,834,000 | 1,599,428,000 |
| Interest-bearing deposits | 797,369,000 | 743,307,000 | 794,182,000 | 767,438,000 |
| Noninterest-bearing deposits | 753,492,000 | 760,483,000 | 812,652,000 | 831,990,000 |
| Equity capital | 137,105,000 | 144,006,000 | 143,873,000 | 135,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,487,000 | 24,668,000 | 36,908,000 | 50,927,000 |
| Interest expense | 370,000 | 746,000 | 1,120,000 | 1,490,000 |
| Net interest income | 12,117,000 | 23,922,000 | 35,788,000 | 49,437,000 |
| Noninterest income | 1,351,000 | 2,135,000 | 2,714,000 | 3,969,000 |
| Noninterest expense | 9,043,000 | 18,759,000 | 26,664,000 | 38,062,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 4,516,000 | 9,140,000 | 13,655,000 | 17,625,000 |
| Income tax | 1,187,000 | 2,534,000 | 3,833,000 | 4,792,000 |
| Net income | 3,329,000 | 6,606,000 | 9,822,000 | 12,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,816,000 | 132,367,000 | 134,514,000 | 137,820,000 |
| Total capital | 138,653,000 | 142,641,000 | 145,362,000 | 149,314,000 |
| Risk-weighted assets | 779,570,000 | 814,517,000 | 860,956,000 | 913,274,000 |