Call reports 2005
AMERICAN NATIONAL BANK — 2005
What AMERICAN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 186,487,000 | 191,350,000 | 198,687,000 | 205,904,000 |
| Total loans | 174,961,000 | 178,379,000 | 184,663,000 | 191,465,000 |
| Allowance for loan losses | 1,836,000 | 1,879,000 | 1,982,000 | 2,031,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,161,000 | 993,000 | 1,010,000 | 761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,565,000 | 152,211,000 | 152,459,000 | 160,771,000 |
| Interest-bearing deposits | 137,648,000 | 143,911,000 | 143,633,000 | 149,105,000 |
| Noninterest-bearing deposits | 8,917,000 | 8,300,000 | 8,826,000 | 11,666,000 |
| Equity capital | 15,536,000 | 15,688,000 | 16,180,000 | 16,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,827,000 | 5,853,000 | 9,161,000 | 12,546,000 |
| Interest expense | 1,232,000 | 2,624,000 | 4,157,000 | 5,726,000 |
| Net interest income | 1,595,000 | 3,229,000 | 5,004,000 | 6,820,000 |
| Noninterest income | 216,000 | 433,000 | 653,000 | 903,000 |
| Noninterest expense | 779,000 | 1,589,000 | 2,452,000 | 3,367,000 |
| Provision for loan losses | 90,000 | 181,000 | 290,000 | 480,000 |
| Pretax income | 942,000 | 1,892,000 | 2,915,000 | 3,876,000 |
| Income tax | 342,000 | 696,000 | 1,073,000 | 1,467,000 |
| Net income | 600,000 | 1,196,000 | 1,842,000 | 2,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,079,000 | 15,249,000 | 15,747,000 | 16,279,000 |
| Total capital | 16,915,000 | 17,128,000 | 17,729,000 | 18,310,000 |
| Risk-weighted assets | 165,463,000 | 169,736,000 | 176,022,000 | 181,138,000 |