Call reports 2016
AMERICAN BANK & TRUST — 2016
What AMERICAN BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 609,676,000 | 634,060,000 | 623,570,000 | 650,765,000 |
| Total loans | 398,355,000 | 435,885,000 | 452,402,000 | 475,546,000 |
| Allowance for loan losses | 6,443,000 | 5,418,000 | 5,415,000 | 6,336,000 |
| Securities available for sale | 147,147,000 | 144,800,000 | 110,112,000 | 111,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,843,000 | 520,829,000 | 509,031,000 | 538,459,000 |
| Interest-bearing deposits | 371,315,000 | 390,169,000 | 379,854,000 | 406,197,000 |
| Noninterest-bearing deposits | 133,528,000 | 130,660,000 | 129,177,000 | 132,262,000 |
| Equity capital | 75,205,000 | 77,004,000 | 76,046,000 | 74,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,422,000 | 11,100,000 | 16,979,000 | 23,081,000 |
| Interest expense | 486,000 | 1,020,000 | 1,609,000 | 2,258,000 |
| Net interest income | 4,936,000 | 10,080,000 | 15,370,000 | 20,823,000 |
| Noninterest income | 1,119,000 | 2,355,000 | 3,727,000 | 5,384,000 |
| Noninterest expense | 4,139,000 | 8,549,000 | 13,241,000 | 18,037,000 |
| Provision for loan losses | 0 | 500,000 | 2,250,000 | 2,750,000 |
| Pretax income | 1,916,000 | 3,389,000 | 4,073,000 | 5,887,000 |
| Income tax | 101,000 | 190,000 | 253,000 | 262,000 |
| Net income | 1,815,000 | 3,199,000 | 3,820,000 | 5,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,560,000 | 67,871,000 | 67,969,000 | 69,251,000 |
| Total capital | 73,702,000 | 73,289,000 | 73,384,000 | 75,587,000 |
| Risk-weighted assets | 491,041,000 | 527,223,000 | 539,969,000 | 558,396,000 |