Call reports 2006
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2006
What AMERICAN BANK & TRUST OF THE CUMBERLANDS 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 | 65,320,000 | 69,473,000 | 73,429,000 | 76,543,000 |
| Total loans | 47,013,000 | 52,161,000 | 55,682,000 | 60,290,000 |
| Allowance for loan losses | 628,000 | 666,000 | 685,000 | 666,000 |
| Securities available for sale | 10,414,000 | 9,382,000 | 8,612,000 | 8,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,374,000 | 63,472,000 | 67,179,000 | 68,762,000 |
| Interest-bearing deposits | 54,812,000 | 58,295,000 | 60,701,000 | 62,943,000 |
| Noninterest-bearing deposits | 4,562,000 | 5,177,000 | 6,478,000 | 5,819,000 |
| Equity capital | 5,007,000 | 4,959,000 | 5,123,000 | 6,611,000 |
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 | 985,000 | 2,115,000 | 3,342,000 | 4,660,000 |
| Interest expense | 432,000 | 939,000 | 1,507,000 | 2,144,000 |
| Net interest income | 553,000 | 1,176,000 | 1,835,000 | 2,516,000 |
| Noninterest income | 129,000 | 313,000 | 462,000 | 615,000 |
| Noninterest expense | 683,000 | 1,427,000 | 2,170,000 | 2,936,000 |
| Provision for loan losses | 29,000 | 83,000 | 113,000 | 129,000 |
| Pretax income | -30,000 | -20,000 | 14,000 | 65,000 |
| Income tax | -6,000 | -13,000 | -16,000 | 3,000 |
| Net income | -24,000 | -7,000 | 30,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,184,000 | 5,202,000 | 5,229,000 | 6,680,000 |
| Total capital | 5,810,000 | 5,879,000 | 5,914,000 | 7,346,000 |
| Risk-weighted assets | 48,596,000 | 52,589,000 | 56,098,000 | 59,642,000 |