Call reports 2006
AMERICAN BANK & TRUST — 2006
What AMERICAN BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 184,093,000 | 193,888,000 | 192,887,000 | 204,093,000 |
| Total loans | 143,699,000 | 151,975,000 | 149,365,000 | 159,382,000 |
| Allowance for loan losses | 2,349,000 | 2,359,000 | 2,195,000 | 2,109,000 |
| Securities available for sale | 25,719,000 | 23,502,000 | 24,110,000 | 24,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,464,000 | 149,203,000 | 158,681,000 | 167,311,000 |
| Interest-bearing deposits | 124,627,000 | 129,493,000 | 137,576,000 | 142,285,000 |
| Noninterest-bearing deposits | 22,837,000 | 19,710,000 | 21,105,000 | 25,026,000 |
| Equity capital | 18,427,000 | 18,231,000 | 21,283,000 | 21,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,322,000 | 6,315,000 | 9,552,000 | 12,828,000 |
| Interest expense | 1,097,000 | 2,338,000 | 3,787,000 | 5,207,000 |
| Net interest income | 2,225,000 | 3,977,000 | 5,765,000 | 7,621,000 |
| Noninterest income | 290,000 | 592,000 | 1,023,000 | 1,443,000 |
| Noninterest expense | 1,518,000 | 2,939,000 | 4,295,000 | 5,771,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 976,000 | 1,570,000 | 2,387,000 | 3,166,000 |
| Income tax | 42,000 | 80,000 | 117,000 | 132,000 |
| Net income | 934,000 | 1,490,000 | 2,270,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,922,000 | 15,984,000 | 18,336,000 | 18,903,000 |
| Total capital | 17,945,000 | 18,117,000 | 20,453,000 | 21,012,000 |
| Risk-weighted assets | 161,487,000 | 170,398,000 | 169,247,000 | 179,912,000 |