Call reports 2001
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2001
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 48,166,000 | 48,824,000 | 48,036,000 | 49,654,000 |
| Total loans | 31,640,000 | 34,038,000 | 35,790,000 | 35,917,000 |
| Allowance for loan losses | 453,000 | 440,000 | 414,000 | 438,000 |
| Securities available for sale | 13,624,000 | 11,279,000 | 8,157,000 | 9,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,879,000 | 43,409,000 | 42,571,000 | 44,407,000 |
| Interest-bearing deposits | 40,705,000 | 41,104,000 | 40,690,000 | 42,073,000 |
| Noninterest-bearing deposits | 2,174,000 | 2,305,000 | 1,881,000 | 2,334,000 |
| Equity capital | 3,550,000 | 3,632,000 | 3,745,000 | 3,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,053,000 | 3,047,000 | 3,995,000 |
| Interest expense | 587,000 | 1,173,000 | 1,722,000 | 2,243,000 |
| Net interest income | 429,000 | 880,000 | 1,325,000 | 1,752,000 |
| Noninterest income | 73,000 | 163,000 | 254,000 | 357,000 |
| Noninterest expense | 374,000 | 752,000 | 1,139,000 | 1,506,000 |
| Provision for loan losses | 81,000 | 96,000 | 114,000 | 155,000 |
| Pretax income | 47,000 | 194,000 | 328,000 | 455,000 |
| Income tax | 4,000 | 30,000 | 79,000 | 129,000 |
| Net income | 43,000 | 164,000 | 249,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,353,000 | 3,466,000 | 3,552,000 | 3,629,000 |
| Total capital | 3,806,000 | 4,029,000 | 4,086,000 | 4,188,000 |
| Risk-weighted assets | 36,315,000 | 36,218,000 | 35,280,000 | 36,173,000 |