Call reports 2012
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2012
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 140,916,000 | 145,212,000 | 148,110,000 | 150,051,000 |
| Total loans | 103,127,000 | 108,136,000 | 108,548,000 | 109,060,000 |
| Allowance for loan losses | 1,641,000 | 1,708,000 | 1,758,000 | 1,748,000 |
| Securities available for sale | 11,020,000 | 11,326,000 | 11,152,000 | 11,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,935,000 | 131,474,000 | 133,618,000 | 135,084,000 |
| Interest-bearing deposits | 118,119,000 | 119,495,000 | 121,593,000 | 123,385,000 |
| Noninterest-bearing deposits | 9,816,000 | 11,978,000 | 12,025,000 | 11,698,000 |
| Equity capital | 11,814,000 | 12,442,000 | 13,157,000 | 13,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,773,000 | 3,607,000 | 5,493,000 | 7,359,000 |
| Interest expense | 427,000 | 845,000 | 1,268,000 | 1,688,000 |
| Net interest income | 1,346,000 | 2,762,000 | 4,225,000 | 5,671,000 |
| Noninterest income | 304,000 | 629,000 | 924,000 | 1,390,000 |
| Noninterest expense | 1,150,000 | 2,225,000 | 3,247,000 | 4,498,000 |
| Provision for loan losses | 58,000 | 116,000 | 174,000 | 232,000 |
| Pretax income | 455,000 | 1,115,000 | 1,793,000 | 2,465,000 |
| Income tax | 15,000 | 84,000 | 117,000 | 158,000 |
| Net income | 440,000 | 1,031,000 | 1,676,000 | 2,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,543,000 | 12,136,000 | 12,782,000 | 13,380,000 |
| Total capital | 12,726,000 | 13,364,000 | 14,062,000 | 14,671,000 |
| Risk-weighted assets | 93,970,000 | 98,693,000 | 101,924,000 | 102,755,000 |