Call reports 2016
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2016
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 211,580,000 | 216,032,000 | 218,838,000 | 212,561,000 |
| Total loans | 167,661,000 | 168,568,000 | 167,640,000 | 168,009,000 |
| Allowance for loan losses | 1,974,000 | 1,936,000 | 1,942,000 | 1,743,000 |
| Securities available for sale | 10,045,000 | 9,607,000 | 9,199,000 | 9,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,424,000 | 192,040,000 | 194,058,000 | 187,486,000 |
| Interest-bearing deposits | 165,124,000 | 167,302,000 | 167,231,000 | 164,319,000 |
| Noninterest-bearing deposits | 23,300,000 | 24,738,000 | 26,826,000 | 23,167,000 |
| Equity capital | 16,734,000 | 17,411,000 | 18,176,000 | 18,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,384,000 | 4,776,000 | 7,191,000 | 9,551,000 |
| Interest expense | 446,000 | 900,000 | 1,352,000 | 1,792,000 |
| Net interest income | 1,938,000 | 3,876,000 | 5,839,000 | 7,759,000 |
| Noninterest income | 371,000 | 678,000 | 1,125,000 | 1,519,000 |
| Noninterest expense | 1,503,000 | 3,050,000 | 4,640,000 | 6,280,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 809,000 | 1,519,000 | 2,340,000 | 3,006,000 |
| Income tax | 52,000 | 103,000 | 156,000 | 191,000 |
| Net income | 757,000 | 1,416,000 | 2,184,000 | 2,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,753,000 | 17,413,000 | 18,179,000 | 18,810,000 |
| Total capital | 18,677,000 | 19,310,000 | 20,082,000 | 20,553,000 |
| Risk-weighted assets | 153,889,000 | 151,691,000 | 152,211,000 | 151,129,000 |