Call reports 2004
AMERICAN BANK, NATIONAL ASSOCIATION — 2004
What AMERICAN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,893,000 | 41,547,000 | 45,171,000 | 42,842,000 |
| Total loans | 21,775,000 | 21,983,000 | 22,474,000 | 22,620,000 |
| Allowance for loan losses | 203,000 | 207,000 | 219,000 | 231,000 |
| Securities available for sale | 11,606,000 | 15,696,000 | 15,965,000 | 15,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,272,000 | 36,886,000 | 40,376,000 | 38,138,000 |
| Interest-bearing deposits | 30,065,000 | 29,880,000 | 32,353,000 | 30,354,000 |
| Noninterest-bearing deposits | 7,207,000 | 7,006,000 | 8,023,000 | 7,784,000 |
| Equity capital | 4,388,000 | 4,328,000 | 4,599,000 | 4,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,057,000 | 1,620,000 | 2,192,000 |
| Interest expense | 99,000 | 208,000 | 326,000 | 447,000 |
| Net interest income | 414,000 | 849,000 | 1,294,000 | 1,745,000 |
| Noninterest income | 73,000 | 162,000 | 233,000 | 301,000 |
| Noninterest expense | 452,000 | 897,000 | 1,307,000 | 1,700,000 |
| Provision for loan losses | 0 | 3,000 | 20,000 | 65,000 |
| Pretax income | 35,000 | 111,000 | 200,000 | 281,000 |
| Income tax | 6,000 | 10,000 | 0 | 15,000 |
| Net income | 29,000 | 101,000 | 200,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,354,000 | 4,512,000 | 4,612,000 | 4,677,000 |
| Total capital | 4,557,000 | 4,719,000 | 4,831,000 | 4,908,000 |
| Risk-weighted assets | 25,323,000 | 25,091,000 | 26,264,000 | 26,030,000 |