Call reports 2020
AMERICAN BANK & TRUST OF THE CUMBERLANDS — 2020
What AMERICAN BANK & TRUST OF THE CUMBERLANDS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 264,446,000 | 286,415,000 | 286,156,000 | 320,886,000 |
| Total loans | 204,438,000 | 200,250,000 | 200,348,000 | 188,537,000 |
| Allowance for loan losses | 2,347,000 | 2,176,000 | 2,175,000 | 1,000 |
| Securities available for sale | 10,291,000 | 9,459,000 | 3,453,000 | 3,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,421,000 | 259,076,000 | 257,345,000 | 281,778,000 |
| Interest-bearing deposits | 210,585,000 | 225,278,000 | 221,133,000 | 248,188,000 |
| Noninterest-bearing deposits | 28,836,000 | 33,798,000 | 36,212,000 | 33,591,000 |
| Equity capital | 22,974,000 | 25,127,000 | 26,466,000 | 36,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,989,000 | 5,969,000 | 8,842,000 | 1,008,000 |
| Interest expense | 844,000 | 1,641,000 | 2,376,000 | 41,000 |
| Net interest income | 2,145,000 | 4,328,000 | 6,466,000 | 967,000 |
| Noninterest income | 544,000 | 2,331,000 | 3,538,000 | 565,000 |
| Noninterest expense | 1,790,000 | 3,663,000 | 5,664,000 | 785,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 899,000 | 2,996,000 | 4,340,000 | 747,000 |
| Income tax | 0 | 57,000 | 57,000 | 1,000 |
| Net income | 899,000 | 2,939,000 | 4,283,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,048,000 | 25,089,000 | 26,433,000 | 35,909,000 |
| Total capital | 25,395,000 | 27,265,000 | 28,608,000 | 35,910,000 |
| Risk-weighted assets | 204,438,000 | 183,619,000 | 183,619,000 | 190,903,000 |