Call reports 2009
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2009
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 95,032,000 | 99,081,000 | 101,348,000 | 107,793,000 |
| Total loans | 75,770,000 | 73,216,000 | 76,633,000 | 82,959,000 |
| Allowance for loan losses | 863,000 | 958,000 | 1,026,000 | 1,152,000 |
| Securities available for sale | 1,789,000 | 1,227,000 | 4,457,000 | 5,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,566,000 | 87,150,000 | 88,809,000 | 95,521,000 |
| Interest-bearing deposits | 77,189,000 | 79,099,000 | 82,102,000 | 86,516,000 |
| Noninterest-bearing deposits | 6,377,000 | 8,051,000 | 6,707,000 | 9,005,000 |
| Equity capital | 7,551,000 | 7,829,000 | 8,452,000 | 8,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,651,000 | 3,982,000 | 5,393,000 |
| Interest expense | 626,000 | 1,235,000 | 1,822,000 | 2,352,000 |
| Net interest income | 731,000 | 1,416,000 | 2,160,000 | 3,041,000 |
| Noninterest income | 233,000 | 500,000 | 683,000 | 851,000 |
| Noninterest expense | 1,006,000 | 2,305,000 | 3,388,000 | 4,589,000 |
| Provision for loan losses | 192,000 | 268,000 | 342,000 | 497,000 |
| Pretax income | -230,000 | -653,000 | -883,000 | -1,189,000 |
| Income tax | 0 | 0 | 2,000 | 6,000 |
| Net income | -230,000 | -653,000 | -885,000 | -1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,513,000 | 7,807,000 | 8,373,000 | 8,559,000 |
| Total capital | 8,376,000 | 8,696,000 | 9,264,000 | 9,529,000 |
| Risk-weighted assets | 72,764,000 | 71,111,000 | 71,162,000 | 77,441,000 |