Call reports 2005
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2005
What AMERICAN BANK & TRUST OF THE CUMBERLANDS 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 | 58,309,000 | 57,735,000 | 58,331,000 | 60,061,000 |
| Total loans | 37,791,000 | 38,238,000 | 40,105,000 | 41,408,000 |
| Allowance for loan losses | 508,000 | 513,000 | 517,000 | 601,000 |
| Securities available for sale | 15,049,000 | 13,599,000 | 11,819,000 | 10,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,488,000 | 51,141,000 | 52,240,000 | 54,199,000 |
| Interest-bearing deposits | 48,582,000 | 47,313,000 | 47,838,000 | 50,529,000 |
| Noninterest-bearing deposits | 3,906,000 | 3,828,000 | 4,402,000 | 3,670,000 |
| Equity capital | 5,102,000 | 5,161,000 | 5,245,000 | 5,002,000 |
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 | 800,000 | 1,631,000 | 2,505,000 | 3,392,000 |
| Interest expense | 307,000 | 631,000 | 976,000 | 1,344,000 |
| Net interest income | 493,000 | 1,000,000 | 1,529,000 | 2,048,000 |
| Noninterest income | 129,000 | 259,000 | 402,000 | 537,000 |
| Noninterest expense | 424,000 | 857,000 | 1,306,000 | 1,862,000 |
| Provision for loan losses | 15,000 | 32,000 | 52,000 | 161,000 |
| Pretax income | 184,000 | 372,000 | 569,000 | 493,000 |
| Income tax | 12,000 | 157,000 | 168,000 | 163,000 |
| Net income | 172,000 | 215,000 | 401,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,267,000 | 5,180,000 | 5,267,000 | 5,208,000 |
| Total capital | 5,762,000 | 5,693,000 | 5,784,000 | 5,789,000 |
| Risk-weighted assets | 39,577,000 | 44,850,000 | 43,641,000 | 46,443,000 |