Call reports 2008
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2008
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 94,850,000 | 93,866,000 | 91,754,000 | 92,893,000 |
| Total loans | 78,466,000 | 78,148,000 | 78,372,000 | 80,464,000 |
| Allowance for loan losses | 863,000 | 1,172,000 | 1,214,000 | 812,000 |
| Securities available for sale | 5,571,000 | 5,828,000 | 3,789,000 | 3,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,800,000 | 84,142,000 | 80,636,000 | 82,110,000 |
| Interest-bearing deposits | 78,523,000 | 77,273,000 | 74,202,000 | 76,047,000 |
| Noninterest-bearing deposits | 6,277,000 | 6,869,000 | 6,434,000 | 6,063,000 |
| Equity capital | 5,765,000 | 5,735,000 | 7,296,000 | 6,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,185,000 | 4,710,000 | 6,159,000 |
| Interest expense | 852,000 | 1,608,000 | 2,282,000 | 2,938,000 |
| Net interest income | 761,000 | 1,577,000 | 2,428,000 | 3,221,000 |
| Noninterest income | 177,000 | 370,000 | 569,000 | 723,000 |
| Noninterest expense | 957,000 | 1,885,000 | 3,323,000 | 4,699,000 |
| Provision for loan losses | 1,375,000 | 1,425,000 | 1,469,000 | 1,497,000 |
| Pretax income | -1,379,000 | -1,348,000 | -1,795,000 | -2,252,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,379,000 | -1,348,000 | -1,795,000 | -2,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,762,000 | 5,783,000 | 7,339,000 | 6,893,000 |
| Total capital | 6,625,000 | 6,745,000 | 8,264,000 | 7,705,000 |
| Risk-weighted assets | 77,264,000 | 76,745,000 | 73,753,000 | 74,570,000 |