Call reports 2018
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2018
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 223,493,000 | 232,306,000 | 229,359,000 | 227,078,000 |
| Total loans | 190,246,000 | 189,268,000 | 190,042,000 | 197,754,000 |
| Allowance for loan losses | 1,837,000 | 1,745,000 | 1,889,000 | 2,014,000 |
| Securities available for sale | 6,945,000 | 6,650,000 | 6,352,000 | 6,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,496,000 | 210,524,000 | 206,492,000 | 203,520,000 |
| Interest-bearing deposits | 176,455,000 | 183,496,000 | 176,304,000 | 178,230,000 |
| Noninterest-bearing deposits | 26,041,000 | 27,028,000 | 30,189,000 | 25,290,000 |
| Equity capital | 19,353,000 | 20,263,000 | 21,112,000 | 22,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,567,000 | 5,225,000 | 7,996,000 | 10,778,000 |
| Interest expense | 464,000 | 969,000 | 1,491,000 | 2,034,000 |
| Net interest income | 2,103,000 | 4,256,000 | 6,505,000 | 8,744,000 |
| Noninterest income | 371,000 | 822,000 | 1,337,000 | 1,727,000 |
| Noninterest expense | 1,606,000 | 3,291,000 | 5,041,000 | 6,725,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 500,000 |
| Pretax income | 793,000 | 1,637,000 | 2,576,000 | 3,246,000 |
| Income tax | 52,000 | 107,000 | 168,000 | 0 |
| Net income | 741,000 | 1,530,000 | 2,408,000 | 3,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,562,000 | 20,466,000 | 21,344,000 | 22,182,000 |
| Total capital | 21,399,000 | 22,211,000 | 23,233,000 | 24,196,000 |
| Risk-weighted assets | 174,158,000 | 174,971,000 | 175,847,000 | 182,279,000 |