Call reports 2005
AMERICAN BANK, NATIONAL ASSOCIATION — 2005
What AMERICAN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 48,644,000 | 47,295,000 | 48,269,000 | 51,585,000 |
| Total loans | 23,254,000 | 22,662,000 | 21,612,000 | 22,603,000 |
| Allowance for loan losses | 234,000 | 241,000 | 239,000 | 234,000 |
| Securities available for sale | 14,779,000 | 17,549,000 | 19,587,000 | 20,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,948,000 | 42,432,000 | 43,403,000 | 46,868,000 |
| Interest-bearing deposits | 35,892,000 | 34,243,000 | 34,707,000 | 38,027,000 |
| Noninterest-bearing deposits | 8,056,000 | 8,189,000 | 8,696,000 | 8,841,000 |
| Equity capital | 4,564,000 | 4,653,000 | 4,666,000 | 4,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,219,000 | 1,883,000 | 2,562,000 |
| Interest expense | 144,000 | 343,000 | 568,000 | 822,000 |
| Net interest income | 443,000 | 876,000 | 1,315,000 | 1,740,000 |
| Noninterest income | 68,000 | 154,000 | 251,000 | 348,000 |
| Noninterest expense | 419,000 | 831,000 | 1,275,000 | 1,746,000 |
| Provision for loan losses | 18,000 | 33,000 | 48,000 | 48,000 |
| Pretax income | 74,000 | 166,000 | 243,000 | 294,000 |
| Income tax | 6,000 | 12,000 | 27,000 | 55,000 |
| Net income | 68,000 | 154,000 | 216,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,745,000 | 4,751,000 | 4,812,000 | 4,835,000 |
| Total capital | 4,979,000 | 4,992,000 | 5,051,000 | 5,069,000 |
| Risk-weighted assets | 27,667,000 | 26,779,000 | 26,666,000 | 28,313,000 |