Call reports 2004
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2004
What AMERICAN BANK & TRUST OF THE CUMBERLANDS 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 | 54,030,000 | 55,344,000 | 57,385,000 | 58,550,000 |
| Total loans | 34,861,000 | 36,009,000 | 36,091,000 | 37,297,000 |
| Allowance for loan losses | 496,000 | 483,000 | 503,000 | 512,000 |
| Securities available for sale | 12,684,000 | 13,772,000 | 15,965,000 | 14,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,400,000 | 49,828,000 | 51,032,000 | 52,879,000 |
| Interest-bearing deposits | 45,567,000 | 46,722,000 | 48,168,000 | 48,232,000 |
| Noninterest-bearing deposits | 2,833,000 | 3,106,000 | 2,864,000 | 4,647,000 |
| Equity capital | 4,855,000 | 4,735,000 | 4,989,000 | 4,953,000 |
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 | 751,000 | 1,512,000 | 2,299,000 | 3,089,000 |
| Interest expense | 273,000 | 549,000 | 844,000 | 1,144,000 |
| Net interest income | 478,000 | 963,000 | 1,455,000 | 1,945,000 |
| Noninterest income | 73,000 | 177,000 | 332,000 | 485,000 |
| Noninterest expense | 401,000 | 800,000 | 1,223,000 | 1,822,000 |
| Provision for loan losses | 6,000 | 12,000 | 29,000 | 71,000 |
| Pretax income | 147,000 | 328,000 | 554,000 | 557,000 |
| Income tax | 50,000 | 110,000 | 186,000 | 160,000 |
| Net income | 97,000 | 218,000 | 368,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,780,000 | 4,909,000 | 4,932,000 | 4,938,000 |
| Total capital | 5,276,000 | 5,392,000 | 5,435,000 | 5,450,000 |
| Risk-weighted assets | 41,861,000 | 42,885,000 | 44,257,000 | 45,059,000 |