Call reports 2010
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2010
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 112,947,000 | 119,758,000 | 121,733,000 | 122,634,000 |
| Total loans | 90,224,000 | 96,098,000 | 96,485,000 | 94,487,000 |
| Allowance for loan losses | 1,191,000 | 1,282,000 | 1,348,000 | 1,401,000 |
| Securities available for sale | 6,330,000 | 7,217,000 | 6,890,000 | 8,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,288,000 | 109,000,000 | 110,404,000 | 111,275,000 |
| Interest-bearing deposits | 93,289,000 | 99,982,000 | 101,518,000 | 102,442,000 |
| Noninterest-bearing deposits | 6,999,000 | 9,018,000 | 8,886,000 | 8,833,000 |
| Equity capital | 9,000,000 | 9,503,000 | 10,048,000 | 10,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 3,061,000 | 4,743,000 | 6,393,000 |
| Interest expense | 517,000 | 1,036,000 | 1,547,000 | 2,040,000 |
| Net interest income | 978,000 | 2,025,000 | 3,196,000 | 4,353,000 |
| Noninterest income | 176,000 | 334,000 | 620,000 | 942,000 |
| Noninterest expense | 1,057,000 | 2,187,000 | 3,369,000 | 4,491,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 290,000 |
| Pretax income | 22,000 | 47,000 | 247,000 | 511,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 22,000 | 47,000 | 247,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,922,000 | 9,336,000 | 9,886,000 | 10,149,000 |
| Total capital | 9,960,000 | 10,412,000 | 10,981,000 | 11,229,000 |
| Risk-weighted assets | 82,862,000 | 85,861,000 | 87,320,000 | 86,058,000 |