Call reports 2015
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2015
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 193,038,000 | 196,924,000 | 201,192,000 | 203,908,000 |
| Total loans | 157,451,000 | 161,857,000 | 165,651,000 | 169,671,000 |
| Allowance for loan losses | 1,891,000 | 1,948,000 | 1,963,000 | 1,927,000 |
| Securities available for sale | 12,207,000 | 11,154,000 | 10,809,000 | 10,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,704,000 | 174,817,000 | 178,399,000 | 180,485,000 |
| Interest-bearing deposits | 150,802,000 | 152,562,000 | 155,317,000 | 158,203,000 |
| Noninterest-bearing deposits | 20,902,000 | 22,255,000 | 23,082,000 | 22,282,000 |
| Equity capital | 14,948,000 | 15,588,000 | 16,323,000 | 16,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,241,000 | 4,557,000 | 6,915,000 | 9,309,000 |
| Interest expense | 459,000 | 925,000 | 1,380,000 | 1,822,000 |
| Net interest income | 1,782,000 | 3,632,000 | 5,535,000 | 7,487,000 |
| Noninterest income | 320,000 | 709,000 | 995,000 | 1,319,000 |
| Noninterest expense | 1,422,000 | 2,806,000 | 4,312,000 | 5,844,000 |
| Provision for loan losses | 120,000 | 195,000 | 195,000 | 195,000 |
| Pretax income | 563,000 | 1,343,000 | 2,026,000 | 2,770,000 |
| Income tax | 37,000 | 87,000 | 132,000 | 181,000 |
| Net income | 526,000 | 1,256,000 | 1,894,000 | 2,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,032,000 | 15,762,000 | 16,400,000 | 17,096,000 |
| Total capital | 16,873,000 | 17,621,000 | 18,293,000 | 19,023,000 |
| Risk-weighted assets | 147,269,000 | 148,592,000 | 151,376,000 | 154,355,000 |