Call reports 2005
AMERICAN BANK & TRUST — 2005
What AMERICAN BANK & TRUST 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 | 172,094,000 | 177,148,000 | 177,431,000 | 193,339,000 |
| Total loans | 126,424,000 | 129,979,000 | 134,683,000 | 149,206,000 |
| Allowance for loan losses | 2,083,000 | 2,227,000 | 2,287,000 | 2,327,000 |
| Securities available for sale | 28,604,000 | 27,374,000 | 26,535,000 | 25,817,000 |
| Securities held to maturity | 202,000 | 201,000 | 200,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,461,000 | 143,767,000 | 141,652,000 | 149,100,000 |
| Interest-bearing deposits | 119,671,000 | 123,234,000 | 118,884,000 | 122,680,000 |
| Noninterest-bearing deposits | 22,790,000 | 20,533,000 | 22,768,000 | 26,420,000 |
| Equity capital | 17,029,000 | 17,589,000 | 17,869,000 | 18,316,000 |
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 | 2,972,000 | 5,919,000 | 8,839,000 | 11,984,000 |
| Interest expense | 675,000 | 1,428,000 | 2,300,000 | 3,298,000 |
| Net interest income | 2,297,000 | 4,491,000 | 6,539,000 | 8,686,000 |
| Noninterest income | 246,000 | 660,000 | 988,000 | 1,435,000 |
| Noninterest expense | 1,463,000 | 2,890,000 | 4,220,000 | 5,738,000 |
| Provision for loan losses | 51,000 | 173,000 | 221,000 | 269,000 |
| Pretax income | 1,029,000 | 2,124,000 | 3,106,000 | 4,134,000 |
| Income tax | 30,000 | 68,000 | 105,000 | 149,000 |
| Net income | 999,000 | 2,056,000 | 3,001,000 | 3,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,339,000 | 14,645,000 | 14,770,000 | 15,023,000 |
| Total capital | 16,136,000 | 16,577,000 | 16,640,000 | 17,119,000 |
| Risk-weighted assets | 143,481,000 | 154,260,000 | 152,243,000 | 167,452,000 |