Call reports 2007
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2007
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 80,205,000 | 88,692,000 | 92,469,000 | 97,524,000 |
| Total loans | 64,627,000 | 71,376,000 | 74,955,000 | 77,318,000 |
| Allowance for loan losses | 718,000 | 747,000 | 783,000 | 822,000 |
| Securities available for sale | 7,383,000 | 6,075,000 | 6,173,000 | 6,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,132,000 | 77,895,000 | 81,381,000 | 86,436,000 |
| Interest-bearing deposits | 65,904,000 | 70,577,000 | 75,946,000 | 79,278,000 |
| Noninterest-bearing deposits | 6,228,000 | 7,318,000 | 5,435,000 | 7,158,000 |
| Equity capital | 6,811,000 | 6,928,000 | 7,116,000 | 7,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,885,000 | 4,496,000 | 6,145,000 |
| Interest expense | 687,000 | 1,458,000 | 2,316,000 | 3,199,000 |
| Net interest income | 687,000 | 1,427,000 | 2,180,000 | 2,946,000 |
| Noninterest income | 148,000 | 315,000 | 485,000 | 650,000 |
| Noninterest expense | 737,000 | 1,611,000 | 2,570,000 | 3,508,000 |
| Provision for loan losses | 46,000 | 89,000 | 136,000 | 183,000 |
| Pretax income | 108,000 | 89,000 | 6,000 | -39,000 |
| Income tax | 7,000 | 8,000 | 8,000 | 8,000 |
| Net income | 101,000 | 81,000 | -2,000 | -47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,914,000 | 7,088,000 | 7,184,000 | 7,140,000 |
| Total capital | 7,632,000 | 7,835,000 | 7,967,000 | 7,962,000 |
| Risk-weighted assets | 64,005,000 | 69,614,000 | 73,731,000 | 77,247,000 |