Call reports 2006
AMERICAN BANK, NATIONAL ASSOCIATION — 2006
What AMERICAN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,307,000 | 52,418,000 | 53,944,000 | 55,266,000 |
| Total loans | 24,554,000 | 27,470,000 | 28,563,000 | 28,264,000 |
| Allowance for loan losses | 245,000 | 264,000 | 260,000 | 263,000 |
| Securities available for sale | 20,002,000 | 19,142,000 | 19,243,000 | 18,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,526,000 | 47,668,000 | 48,916,000 | 50,245,000 |
| Interest-bearing deposits | 37,198,000 | 37,980,000 | 40,423,000 | 40,477,000 |
| Noninterest-bearing deposits | 8,328,000 | 9,688,000 | 8,493,000 | 9,768,000 |
| Equity capital | 4,622,000 | 4,553,000 | 4,785,000 | 4,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 740,000 | 1,531,000 | 2,378,000 | 3,277,000 |
| Interest expense | 283,000 | 594,000 | 947,000 | 1,365,000 |
| Net interest income | 457,000 | 937,000 | 1,431,000 | 1,912,000 |
| Noninterest income | 88,000 | 184,000 | 272,000 | 353,000 |
| Noninterest expense | 451,000 | 909,000 | 1,364,000 | 1,821,000 |
| Provision for loan losses | 15,000 | 41,000 | 116,000 | 167,000 |
| Pretax income | 79,000 | 171,000 | 223,000 | 277,000 |
| Income tax | 12,000 | 25,000 | 31,000 | 50,000 |
| Net income | 67,000 | 146,000 | 192,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,902,000 | 4,939,000 | 4,985,000 | 5,021,000 |
| Total capital | 5,147,000 | 5,203,000 | 5,245,000 | 5,284,000 |
| Risk-weighted assets | 28,886,000 | 30,264,000 | 31,280,000 | 31,669,000 |