Call reports 2019
AMERICAN BUSINESS BANK — 2019
What AMERICAN BUSINESS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,190,562,000 | 2,221,482,000 | 2,331,644,000 | 2,401,911,000 |
| Total loans | 1,257,672,000 | 1,324,842,000 | 1,429,615,000 | 1,487,379,000 |
| Allowance for loan losses | 17,608,000 | 18,548,000 | 20,014,000 | 20,824,000 |
| Securities available for sale | 690,425,000 | 661,335,000 | 636,587,000 | 684,492,000 |
| Securities held to maturity | 87,325,000 | 87,121,000 | 86,915,000 | 86,707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,980,010,000 | 2,000,227,000 | 2,099,318,000 | 2,164,860,000 |
| Interest-bearing deposits | 991,815,000 | 1,011,968,000 | 1,015,166,000 | 1,081,154,000 |
| Noninterest-bearing deposits | 988,196,000 | 988,259,000 | 1,084,152,000 | 1,083,705,000 |
| Equity capital | 173,873,000 | 192,064,000 | 201,068,000 | 206,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 19,854,000 | 40,109,000 | 61,590,000 | 83,084,000 |
| Interest expense | 1,016,000 | 2,209,000 | 3,475,000 | 4,789,000 |
| Net interest income | 18,838,000 | 37,900,000 | 58,115,000 | 78,295,000 |
| Noninterest income | 1,473,000 | 2,957,000 | 4,414,000 | 5,987,000 |
| Noninterest expense | 13,020,000 | 25,318,000 | 38,028,000 | 50,812,000 |
| Provision for loan losses | 90,000 | 1,018,000 | 2,478,000 | 3,279,000 |
| Pretax income | 7,201,000 | 14,376,000 | 21,756,000 | 29,924,000 |
| Income tax | 1,800,000 | 3,706,000 | 5,668,000 | 7,847,000 |
| Net income | 5,401,000 | 10,670,000 | 16,088,000 | 22,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 185,555,000 | 197,967,000 | 204,258,000 | 210,657,000 |
| Total capital | 203,543,000 | 216,831,000 | 224,593,000 | 231,622,000 |
| Risk-weighted assets | 1,438,739,000 | 1,508,704,000 | 1,626,234,000 | 1,676,344,000 |
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