Call reports 2003
AMERICAN BANK & TRUST — 2003
What AMERICAN BANK & TRUST 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 | 138,406,000 | 147,100,000 | 150,855,000 | 153,710,000 |
| Total loans | 95,623,000 | 101,915,000 | 106,224,000 | 114,481,000 |
| Allowance for loan losses | 1,556,000 | 1,612,000 | 1,632,000 | 1,706,000 |
| Securities available for sale | 19,627,000 | 26,833,000 | 23,762,000 | 23,512,000 |
| Securities held to maturity | 2,297,000 | 1,728,000 | 919,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,409,000 | 119,285,000 | 119,689,000 | 123,634,000 |
| Interest-bearing deposits | 105,512,000 | 104,200,000 | 101,172,000 | 101,897,000 |
| Noninterest-bearing deposits | 15,897,000 | 15,085,000 | 18,517,000 | 21,737,000 |
| Equity capital | 14,078,000 | 14,764,000 | 14,625,000 | 15,049,000 |
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 | 1,910,000 | 3,788,000 | 5,790,000 | 8,032,000 |
| Interest expense | 690,000 | 1,334,000 | 1,953,000 | 2,558,000 |
| Net interest income | 1,220,000 | 2,454,000 | 3,837,000 | 5,474,000 |
| Noninterest income | 274,000 | 505,000 | 714,000 | 1,021,000 |
| Noninterest expense | 1,001,000 | 2,005,000 | 3,060,000 | 4,243,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 215,000 |
| Pretax income | 448,000 | 864,000 | 1,366,000 | 2,048,000 |
| Income tax | 29,000 | 29,000 | 47,000 | 110,000 |
| Net income | 419,000 | 835,000 | 1,319,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,839,000 | 11,155,000 | 11,488,000 | 11,858,000 |
| Total capital | 12,263,000 | 12,695,000 | 13,048,000 | 13,514,000 |
| Risk-weighted assets | 113,788,000 | 123,127,000 | 124,742,000 | 132,414,000 |