Call reports 2017
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2017
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 207,774,000 | 210,207,000 | 217,611,000 | 219,036,000 |
| Total loans | 166,732,000 | 173,473,000 | 180,433,000 | 185,736,000 |
| Allowance for loan losses | 1,639,000 | 1,736,000 | 1,774,000 | 1,845,000 |
| Securities available for sale | 9,764,000 | 9,570,000 | 7,643,000 | 7,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,431,000 | 190,098,000 | 196,644,000 | 197,374,000 |
| Interest-bearing deposits | 163,001,000 | 164,171,000 | 169,975,000 | 172,209,000 |
| Noninterest-bearing deposits | 25,430,000 | 25,927,000 | 26,669,000 | 25,165,000 |
| Equity capital | 17,874,000 | 18,695,000 | 19,376,000 | 20,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,312,000 | 4,718,000 | 7,181,000 | 9,744,000 |
| Interest expense | 405,000 | 780,000 | 1,196,000 | 1,645,000 |
| Net interest income | 1,907,000 | 3,938,000 | 5,985,000 | 8,099,000 |
| Noninterest income | 334,000 | 730,000 | 1,084,000 | 1,432,000 |
| Noninterest expense | 1,553,000 | 3,100,000 | 4,686,000 | 6,259,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 613,000 | 1,418,000 | 2,161,000 | 2,975,000 |
| Income tax | 40,000 | 92,000 | 141,000 | 192,000 |
| Net income | 573,000 | 1,326,000 | 2,020,000 | 2,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,025,000 | 18,775,000 | 19,470,000 | 20,271,000 |
| Total capital | 19,664,000 | 20,511,000 | 21,244,000 | 22,116,000 |
| Risk-weighted assets | 153,329,000 | 159,802,000 | 164,322,000 | 169,881,000 |