Call reports 2002
AMERICAN BANK & TRUST — 2002
What AMERICAN BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 113,657,000 | 125,144,000 | 127,740,000 | 134,076,000 |
| Total loans | 84,421,000 | 95,602,000 | 98,948,000 | 104,224,000 |
| Allowance for loan losses | 2,050,000 | 1,911,000 | 1,921,000 | 1,926,000 |
| Securities available for sale | 13,188,000 | 14,161,000 | 12,438,000 | 13,515,000 |
| Securities held to maturity | 3,763,000 | 2,670,000 | 2,518,000 | 2,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,498,000 | 107,024,000 | 108,802,000 | 116,571,000 |
| Interest-bearing deposits | 84,524,000 | 94,520,000 | 94,756,000 | 100,864,000 |
| Noninterest-bearing deposits | 11,974,000 | 12,504,000 | 14,046,000 | 15,707,000 |
| Equity capital | 13,361,000 | 13,553,000 | 13,809,000 | 14,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,802,000 | 3,681,000 | 5,681,000 | 7,637,000 |
| Interest expense | 819,000 | 1,615,000 | 2,375,000 | 3,090,000 |
| Net interest income | 983,000 | 2,066,000 | 3,306,000 | 4,547,000 |
| Noninterest income | 149,000 | 345,000 | 513,000 | 789,000 |
| Noninterest expense | 889,000 | 1,984,000 | 3,076,000 | 4,122,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 243,000 | 427,000 | 760,000 | 1,232,000 |
| Income tax | 27,000 | 53,000 | 78,000 | 52,000 |
| Net income | 216,000 | 374,000 | 682,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,405,000 | 10,363,000 | 10,521,000 | 11,019,000 |
| Total capital | 11,595,000 | 11,699,000 | 11,899,000 | 12,472,000 |
| Risk-weighted assets | 94,307,000 | 106,321,000 | 109,661,000 | 115,777,000 |