Call reports 2015
AMERICAN BANK & TRUST — 2015
What AMERICAN BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 609,686,000 | 589,781,000 | 592,164,000 | 605,274,000 |
| Total loans | 402,080,000 | 406,441,000 | 406,858,000 | 397,098,000 |
| Allowance for loan losses | 5,721,000 | 5,767,000 | 5,958,000 | 6,025,000 |
| Securities available for sale | 133,334,000 | 136,784,000 | 135,614,000 | 135,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,592,000 | 493,757,000 | 468,708,000 | 505,142,000 |
| Interest-bearing deposits | 373,723,000 | 367,017,000 | 351,703,000 | 371,569,000 |
| Noninterest-bearing deposits | 138,869,000 | 126,740,000 | 117,005,000 | 133,573,000 |
| Equity capital | 69,019,000 | 67,515,000 | 70,083,000 | 71,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,487,000 | 10,956,000 | 16,502,000 | 22,010,000 |
| Interest expense | 486,000 | 980,000 | 1,467,000 | 1,991,000 |
| Net interest income | 5,001,000 | 9,976,000 | 15,035,000 | 20,019,000 |
| Noninterest income | 1,061,000 | 2,245,000 | 3,439,000 | 4,881,000 |
| Noninterest expense | 3,547,000 | 7,113,000 | 10,800,000 | 14,551,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,440,000 | 4,959,000 | 7,457,000 | 10,057,000 |
| Income tax | 109,000 | 221,000 | 342,000 | 457,000 |
| Net income | 2,331,000 | 4,738,000 | 7,115,000 | 9,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,531,000 | 61,757,000 | 63,101,000 | 64,356,000 |
| Total capital | 67,252,000 | 67,524,000 | 69,059,000 | 70,382,000 |
| Risk-weighted assets | 473,450,000 | 496,504,000 | 494,328,000 | 484,747,000 |