Call reports 2007
AMERICAN BANK & TRUST — 2007
What AMERICAN BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 203,138,000 | 209,155,000 | 207,541,000 | 226,412,000 |
| Total loans | 158,406,000 | 163,965,000 | 161,353,000 | 175,522,000 |
| Allowance for loan losses | 2,137,000 | 2,130,000 | 2,148,000 | 2,176,000 |
| Securities available for sale | 24,148,000 | 25,308,000 | 24,946,000 | 28,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,021,000 | 167,152,000 | 165,134,000 | 177,487,000 |
| Interest-bearing deposits | 142,447,000 | 146,700,000 | 144,186,000 | 146,635,000 |
| Noninterest-bearing deposits | 21,574,000 | 20,452,000 | 20,948,000 | 30,852,000 |
| Equity capital | 23,210,000 | 23,036,000 | 23,783,000 | 24,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,721,000 | 10,236,000 | 13,897,000 |
| Interest expense | 1,469,000 | 3,078,000 | 4,758,000 | 6,482,000 |
| Net interest income | 1,808,000 | 3,643,000 | 5,478,000 | 7,415,000 |
| Noninterest income | 314,000 | 659,000 | 1,099,000 | 1,687,000 |
| Noninterest expense | 1,446,000 | 2,922,000 | 4,478,000 | 6,056,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 649,000 | 1,326,000 | 2,018,000 | 2,947,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 138,000 |
| Net income | 611,000 | 1,251,000 | 1,905,000 | 2,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,311,000 | 20,501,000 | 20,905,000 | 21,558,000 |
| Total capital | 22,448,000 | 22,631,000 | 23,053,000 | 23,734,000 |
| Risk-weighted assets | 180,213,000 | 186,445,000 | 184,571,000 | 199,377,000 |