Call reports 2013
AMERICAN BANK & TRUST — 2013
What AMERICAN BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 403,738,000 | 394,666,000 | 413,004,000 | 417,531,000 |
| Total loans | 259,285,000 | 262,758,000 | 281,158,000 | 292,768,000 |
| Allowance for loan losses | 4,482,000 | 4,482,000 | 4,404,000 | 4,682,000 |
| Securities available for sale | 107,223,000 | 102,930,000 | 97,726,000 | 94,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,724,000 | 331,395,000 | 317,533,000 | 331,542,000 |
| Interest-bearing deposits | 250,041,000 | 256,711,000 | 244,496,000 | 253,841,000 |
| Noninterest-bearing deposits | 86,683,000 | 74,684,000 | 73,037,000 | 77,701,000 |
| Equity capital | 44,875,000 | 41,158,000 | 42,484,000 | 42,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,952,000 | 7,793,000 | 11,749,000 | 15,773,000 |
| Interest expense | 546,000 | 1,057,000 | 1,543,000 | 2,035,000 |
| Net interest income | 3,406,000 | 6,736,000 | 10,206,000 | 13,738,000 |
| Noninterest income | 989,000 | 1,785,000 | 2,578,000 | 3,564,000 |
| Noninterest expense | 2,540,000 | 5,135,000 | 7,745,000 | 10,388,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 1,855,000 | 3,386,000 | 5,039,000 | 6,614,000 |
| Income tax | 80,000 | 118,000 | 194,000 | 275,000 |
| Net income | 1,775,000 | 3,268,000 | 4,845,000 | 6,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,461,000 | 40,256,000 | 40,993,000 | 41,651,000 |
| Total capital | 44,323,000 | 44,100,000 | 45,068,000 | 45,861,000 |
| Risk-weighted assets | 308,315,000 | 306,892,000 | 325,656,000 | 336,347,000 |