Call reports 2008
AMERICAN BANK & TRUST — 2008
What AMERICAN BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 228,174,000 | 234,881,000 | 238,154,000 | 251,559,000 |
| Total loans | 168,406,000 | 175,904,000 | 180,689,000 | 192,904,000 |
| Allowance for loan losses | 2,209,000 | 2,238,000 | 1,860,000 | 2,077,000 |
| Securities available for sale | 31,765,000 | 35,373,000 | 33,953,000 | 34,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,743,000 | 177,510,000 | 178,120,000 | 197,646,000 |
| Interest-bearing deposits | 148,668,000 | 153,008,000 | 149,599,000 | 166,841,000 |
| Noninterest-bearing deposits | 27,075,000 | 24,502,000 | 28,521,000 | 30,805,000 |
| Equity capital | 25,308,000 | 24,771,000 | 25,496,000 | 26,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,552,000 | 6,949,000 | 10,414,000 | 13,862,000 |
| Interest expense | 1,610,000 | 3,082,000 | 4,440,000 | 5,745,000 |
| Net interest income | 1,942,000 | 3,867,000 | 5,974,000 | 8,117,000 |
| Noninterest income | 414,000 | 969,000 | 1,587,000 | 2,515,000 |
| Noninterest expense | 1,555,000 | 3,164,000 | 4,805,000 | 6,553,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 271,000 |
| Pretax income | 777,000 | 1,624,000 | 2,684,000 | 3,808,000 |
| Income tax | 58,000 | 110,000 | 163,000 | 176,000 |
| Net income | 719,000 | 1,514,000 | 2,521,000 | 3,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,877,000 | 22,223,000 | 22,830,000 | 23,491,000 |
| Total capital | 24,086,000 | 24,461,000 | 24,690,000 | 25,568,000 |
| Risk-weighted assets | 194,618,000 | 201,066,000 | 205,399,000 | 217,305,000 |
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