Call reports 2003
AMERICAN BANK, NATIONAL ASSOCIATION — 2003
What AMERICAN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,358,000 | 40,852,000 | 39,493,000 | 38,859,000 |
| Total loans | 20,916,000 | 20,426,000 | 21,104,000 | 20,800,000 |
| Allowance for loan losses | 196,000 | 191,000 | 176,000 | 194,000 |
| Securities available for sale | 8,196,000 | 10,687,000 | 12,284,000 | 11,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,863,000 | 36,315,000 | 34,990,000 | 34,420,000 |
| Interest-bearing deposits | 26,738,000 | 27,706,000 | 26,152,000 | 26,103,000 |
| Noninterest-bearing deposits | 7,125,000 | 8,609,000 | 8,838,000 | 8,317,000 |
| Equity capital | 4,321,000 | 4,365,000 | 4,297,000 | 4,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 961,000 | 1,496,000 | 2,005,000 |
| Interest expense | 90,000 | 201,000 | 302,000 | 403,000 |
| Net interest income | 373,000 | 760,000 | 1,194,000 | 1,602,000 |
| Noninterest income | 41,000 | 87,000 | 145,000 | 202,000 |
| Noninterest expense | 348,000 | 714,000 | 1,138,000 | 1,578,000 |
| Provision for loan losses | 0 | 10,000 | 15,000 | 33,000 |
| Pretax income | 66,000 | 123,000 | 186,000 | 193,000 |
| Income tax | 23,000 | 28,000 | 59,000 | 74,000 |
| Net income | 43,000 | 95,000 | 127,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,250,000 | 4,302,000 | 4,334,000 | 4,326,000 |
| Total capital | 4,446,000 | 4,493,000 | 4,510,000 | 4,520,000 |
| Risk-weighted assets | 24,011,000 | 24,394,000 | 24,480,000 | 23,961,000 |