Call reports 2011
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2011
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 121,625,000 | 130,391,000 | 134,901,000 | 139,573,000 |
| Total loans | 101,534,000 | 103,248,000 | 105,854,000 | 105,679,000 |
| Allowance for loan losses | 1,475,000 | 1,450,000 | 1,538,000 | 1,582,000 |
| Securities available for sale | 8,915,000 | 9,436,000 | 9,873,000 | 10,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,748,000 | 118,416,000 | 122,408,000 | 126,575,000 |
| Interest-bearing deposits | 99,771,000 | 108,175,000 | 112,951,000 | 115,808,000 |
| Noninterest-bearing deposits | 9,977,000 | 10,241,000 | 9,457,000 | 10,767,000 |
| Equity capital | 10,338,000 | 10,777,000 | 11,270,000 | 11,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,305,000 | 5,150,000 | 6,963,000 |
| Interest expense | 444,000 | 891,000 | 1,369,000 | 1,828,000 |
| Net interest income | 1,168,000 | 2,414,000 | 3,781,000 | 5,135,000 |
| Noninterest income | 150,000 | 328,000 | 561,000 | 829,000 |
| Noninterest expense | 1,109,000 | 2,205,000 | 3,325,000 | 4,492,000 |
| Provision for loan losses | 60,000 | 130,000 | 215,000 | 290,000 |
| Pretax income | 151,000 | 409,000 | 809,000 | 1,225,000 |
| Income tax | 0 | 0 | 0 | -172,000 |
| Net income | 151,000 | 409,000 | 809,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,297,000 | 10,559,000 | 10,925,000 | 11,436,000 |
| Total capital | 11,395,000 | 11,722,000 | 12,109,000 | 12,627,000 |
| Risk-weighted assets | 87,446,000 | 92,745,000 | 94,355,000 | 94,923,000 |