Call reports 2004
AMERICAN BANK & TRUST — 2004
What AMERICAN BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 153,246,000 | 160,410,000 | 165,947,000 | 178,170,000 |
| Total loans | 107,960,000 | 120,012,000 | 124,043,000 | 134,552,000 |
| Allowance for loan losses | 1,861,000 | 1,959,000 | 1,995,000 | 2,032,000 |
| Securities available for sale | 22,563,000 | 24,958,000 | 24,017,000 | 23,613,000 |
| Securities held to maturity | 369,000 | 203,000 | 203,000 | 202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,844,000 | 125,966,000 | 131,041,000 | 139,098,000 |
| Interest-bearing deposits | 107,522,000 | 106,225,000 | 109,740,000 | 113,428,000 |
| Noninterest-bearing deposits | 21,322,000 | 19,741,000 | 21,301,000 | 25,670,000 |
| Equity capital | 15,403,000 | 15,266,000 | 16,585,000 | 17,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,765,000 | 7,387,000 | 10,386,000 |
| Interest expense | 568,000 | 1,140,000 | 1,743,000 | 2,390,000 |
| Net interest income | 1,732,000 | 3,625,000 | 5,644,000 | 7,996,000 |
| Noninterest income | 259,000 | 497,000 | 931,000 | 1,273,000 |
| Noninterest expense | 1,205,000 | 2,422,000 | 3,781,000 | 5,310,000 |
| Provision for loan losses | 152,000 | 246,000 | 285,000 | 323,000 |
| Pretax income | 764,000 | 1,643,000 | 2,698,000 | 3,815,000 |
| Income tax | 28,000 | 38,000 | 69,000 | 133,000 |
| Net income | 736,000 | 1,605,000 | 2,629,000 | 3,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,994,000 | 12,613,000 | 13,336,000 | 14,089,000 |
| Total capital | 13,589,000 | 14,320,000 | 15,089,000 | 15,977,000 |
| Risk-weighted assets | 127,341,000 | 136,295,000 | 140,031,000 | 150,904,000 |