Call reports 2003
AMERICAN NATIONAL BANK — 2003
What AMERICAN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,357,000 | 86,321,000 | 87,224,000 | 161,118,000 |
| Total loans | 73,520,000 | 73,561,000 | 75,387,000 | 146,696,000 |
| Allowance for loan losses | 862,000 | 909,000 | 863,000 | 1,594,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,049,000 | 1,085,000 | 1,136,000 | 2,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,809,000 | 65,189,000 | 66,056,000 | 131,815,000 |
| Interest-bearing deposits | 56,820,000 | 60,963,000 | 62,094,000 | 114,700,000 |
| Noninterest-bearing deposits | 3,989,000 | 4,226,000 | 3,962,000 | 17,115,000 |
| Equity capital | 6,610,000 | 6,478,000 | 6,695,000 | 13,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,818,000 | 4,239,000 | 9,724,000 |
| Interest expense | 626,000 | 1,260,000 | 1,893,000 | 4,394,000 |
| Net interest income | 739,000 | 1,558,000 | 2,346,000 | 5,330,000 |
| Noninterest income | 86,000 | 190,000 | 273,000 | 760,000 |
| Noninterest expense | 358,000 | 765,000 | 1,159,000 | 3,047,000 |
| Provision for loan losses | 18,000 | 86,000 | 105,000 | 318,000 |
| Pretax income | 449,000 | 897,000 | 1,355,000 | 2,725,000 |
| Income tax | 167,000 | 331,000 | 499,000 | 995,000 |
| Net income | 282,000 | 566,000 | 856,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,448,000 | 6,322,000 | 6,545,000 | 12,619,000 |
| Total capital | 7,310,000 | 7,215,000 | 7,408,000 | 14,213,000 |
| Risk-weighted assets | 71,136,000 | 71,443,000 | 73,604,000 | 140,335,000 |