Call reports 2002
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2002
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,099,000 | 49,636,000 | 50,085,000 | 50,169,000 |
| Total loans | 35,547,000 | 36,349,000 | 35,169,000 | 34,801,000 |
| Allowance for loan losses | 510,000 | 517,000 | 531,000 | 527,000 |
| Securities available for sale | 10,820,000 | 8,606,000 | 10,349,000 | 10,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,075,000 | 44,193,000 | 44,510,000 | 44,663,000 |
| Interest-bearing deposits | 42,680,000 | 41,605,000 | 41,853,000 | 41,818,000 |
| Noninterest-bearing deposits | 3,395,000 | 2,588,000 | 2,657,000 | 2,845,000 |
| Equity capital | 3,738,000 | 4,019,000 | 4,204,000 | 4,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,793,000 | 2,651,000 | 3,485,000 |
| Interest expense | 430,000 | 823,000 | 1,206,000 | 1,567,000 |
| Net interest income | 472,000 | 970,000 | 1,445,000 | 1,918,000 |
| Noninterest income | 89,000 | 195,000 | 283,000 | 381,000 |
| Noninterest expense | 385,000 | 791,000 | 1,179,000 | 1,588,000 |
| Provision for loan losses | 91,000 | 103,000 | 115,000 | 121,000 |
| Pretax income | 89,000 | 282,000 | 502,000 | 664,000 |
| Income tax | 50,000 | 125,000 | 177,000 | 235,000 |
| Net income | 39,000 | 157,000 | 325,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,669,000 | 3,786,000 | 3,953,000 | 4,063,000 |
| Total capital | 4,249,000 | 4,365,000 | 4,518,000 | 4,656,000 |
| Risk-weighted assets | 37,106,000 | 37,672,000 | 36,878,000 | 38,721,000 |