Call reports 2009
AMERICAN BANK & TRUST — 2009
What AMERICAN BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 244,248,000 | 252,082,000 | 262,743,000 | 267,225,000 |
| Total loans | 185,966,000 | 193,139,000 | 196,617,000 | 208,492,000 |
| Allowance for loan losses | 2,117,000 | 2,088,000 | 2,170,000 | 2,683,000 |
| Securities available for sale | 32,705,000 | 34,041,000 | 29,256,000 | 32,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,031,000 | 193,044,000 | 202,447,000 | 202,199,000 |
| Interest-bearing deposits | 159,990,000 | 165,467,000 | 174,094,000 | 169,986,000 |
| Noninterest-bearing deposits | 27,042,000 | 27,577,000 | 28,353,000 | 32,213,000 |
| Equity capital | 27,008,000 | 27,464,000 | 28,527,000 | 28,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,381,000 | 6,832,000 | 10,372,000 | 13,893,000 |
| Interest expense | 1,250,000 | 2,431,000 | 3,593,000 | 4,743,000 |
| Net interest income | 2,131,000 | 4,401,000 | 6,779,000 | 9,150,000 |
| Noninterest income | 487,000 | 1,018,000 | 1,554,000 | 2,155,000 |
| Noninterest expense | 1,693,000 | 3,499,000 | 5,294,000 | 6,929,000 |
| Provision for loan losses | 30,000 | 60,000 | 330,000 | 850,000 |
| Pretax income | 895,000 | 1,860,000 | 2,842,000 | 3,807,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 166,000 |
| Net income | 850,000 | 1,770,000 | 2,707,000 | 3,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,940,000 | 24,410,000 | 24,947,000 | 25,481,000 |
| Total capital | 26,057,000 | 26,498,000 | 27,117,000 | 28,164,000 |
| Risk-weighted assets | 207,054,000 | 214,191,000 | 218,767,000 | 230,722,000 |