Call reports 2013
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2013
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 150,058,000 | 151,246,000 | 148,134,000 | 149,936,000 |
| Total loans | 106,380,000 | 109,343,000 | 117,156,000 | 120,710,000 |
| Allowance for loan losses | 1,710,000 | 1,461,000 | 1,540,000 | 1,442,000 |
| Securities available for sale | 15,153,000 | 21,571,000 | 21,199,000 | 17,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,751,000 | 137,086,000 | 131,856,000 | 127,759,000 |
| Interest-bearing deposits | 123,487,000 | 123,305,000 | 116,191,000 | 112,531,000 |
| Noninterest-bearing deposits | 12,263,000 | 13,782,000 | 15,665,000 | 15,229,000 |
| Equity capital | 13,013,000 | 12,790,000 | 13,272,000 | 13,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,591,000 | 5,490,000 | 7,415,000 |
| Interest expense | 402,000 | 795,000 | 1,162,000 | 1,493,000 |
| Net interest income | 1,390,000 | 2,796,000 | 4,328,000 | 5,922,000 |
| Noninterest income | 332,000 | 603,000 | 941,000 | 1,270,000 |
| Noninterest expense | 1,085,000 | 2,200,000 | 3,292,000 | 4,419,000 |
| Provision for loan losses | 57,000 | 114,000 | 171,000 | 268,000 |
| Pretax income | 625,000 | 1,144,000 | 1,891,000 | 2,592,000 |
| Income tax | 40,000 | 74,000 | 122,000 | 163,000 |
| Net income | 585,000 | 1,070,000 | 1,769,000 | 2,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,841,000 | 13,327,000 | 14,025,000 | 14,759,000 |
| Total capital | 14,035,000 | 14,663,000 | 15,434,000 | 16,201,000 |
| Risk-weighted assets | 100,348,000 | 106,739,000 | 112,609,000 | 116,022,000 |