Call reports 2014
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2014
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 164,883,000 | 172,540,000 | 182,550,000 | 190,586,000 |
| Total loans | 133,116,000 | 145,053,000 | 153,276,000 | 155,330,000 |
| Allowance for loan losses | 1,513,000 | 1,594,000 | 1,658,000 | 1,728,000 |
| Securities available for sale | 14,533,000 | 12,958,000 | 12,690,000 | 12,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,294,000 | 152,030,000 | 161,147,000 | 168,280,000 |
| Interest-bearing deposits | 128,025,000 | 133,495,000 | 142,324,000 | 147,652,000 |
| Noninterest-bearing deposits | 17,269,000 | 18,535,000 | 18,823,000 | 20,628,000 |
| Equity capital | 13,373,000 | 14,145,000 | 14,957,000 | 15,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 4,060,000 | 6,343,000 | 8,633,000 |
| Interest expense | 351,000 | 749,000 | 1,180,000 | 1,634,000 |
| Net interest income | 1,610,000 | 3,311,000 | 5,163,000 | 6,999,000 |
| Noninterest income | 276,000 | 566,000 | 850,000 | 1,169,000 |
| Noninterest expense | 1,277,000 | 2,517,000 | 3,754,000 | 5,014,000 |
| Provision for loan losses | 75,000 | 150,000 | 280,000 | 430,000 |
| Pretax income | 552,000 | 1,229,000 | 1,998,000 | 2,745,000 |
| Income tax | 36,000 | 80,000 | 130,000 | 179,000 |
| Net income | 516,000 | 1,149,000 | 1,868,000 | 2,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,936,000 | 14,569,000 | 15,288,000 | 15,986,000 |
| Total capital | 15,449,000 | 16,163,000 | 16,946,000 | 17,714,000 |
| Risk-weighted assets | 127,997,000 | 140,389,000 | 142,680,000 | 147,115,000 |