Call reports 2019
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2019
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 245,067,000 | 246,670,000 | 254,469,000 | 253,963,000 |
| Total loans | 195,228,000 | 199,967,000 | 200,047,000 | 201,128,000 |
| Allowance for loan losses | 2,465,000 | 2,440,000 | 2,368,000 | 2,343,000 |
| Securities available for sale | 5,986,000 | 10,844,000 | 10,679,000 | 15,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,195,000 | 222,541,000 | 228,918,000 | 227,760,000 |
| Interest-bearing deposits | 199,731,000 | 198,291,000 | 203,687,000 | 202,101,000 |
| Noninterest-bearing deposits | 22,464,000 | 24,250,000 | 25,231,000 | 25,660,000 |
| Equity capital | 21,004,000 | 21,891,000 | 22,884,000 | 23,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,813,000 | 5,750,000 | 8,837,000 | 11,881,000 |
| Interest expense | 707,000 | 1,525,000 | 2,377,000 | 3,247,000 |
| Net interest income | 2,106,000 | 4,225,000 | 6,460,000 | 8,634,000 |
| Noninterest income | 390,000 | 849,000 | 1,455,000 | 1,923,000 |
| Noninterest expense | 1,783,000 | 3,536,000 | 5,363,000 | 7,117,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 663,000 | 1,488,000 | 2,502,000 | 3,390,000 |
| Income tax | 16,000 | 40,000 | 71,000 | 0 |
| Net income | 647,000 | 1,448,000 | 2,431,000 | 3,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,129,000 | 21,931,000 | 22,913,000 | 23,949,000 |
| Total capital | 23,413,000 | 24,289,000 | 25,281,000 | 26,292,000 |
| Risk-weighted assets | 182,582,000 | 188,587,000 | 200,047,000 | 189,198,000 |