Call reports 2025
AMERICAN BANK & TRUST — 2025
What AMERICAN BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,941,027,000 | 1,960,130,000 | 2,020,233,000 | 2,147,633,000 |
| Total loans | 1,430,461,000 | 1,506,495,000 | 1,515,071,000 | 1,550,031,000 |
| Allowance for loan losses | 15,021,000 | 15,454,000 | 15,911,000 | 16,710,000 |
| Securities available for sale | 266,944,000 | 271,484,000 | 263,377,000 | 291,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,728,617,000 | 1,743,889,000 | 1,753,396,000 | 1,868,116,000 |
| Interest-bearing deposits | 1,476,437,000 | 1,503,538,000 | 1,496,870,000 | 1,614,875,000 |
| Noninterest-bearing deposits | 252,180,000 | 240,351,000 | 256,526,000 | 253,241,000 |
| Equity capital | 163,006,000 | 170,468,000 | 220,012,000 | 227,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 26,107,000 | 54,297,000 | 83,356,000 | 113,226,000 |
| Interest expense | 10,527,000 | 21,091,000 | 31,594,000 | 41,914,000 |
| Net interest income | 15,580,000 | 33,206,000 | 51,762,000 | 71,312,000 |
| Noninterest income | 2,738,000 | 5,373,000 | 8,214,000 | 11,852,000 |
| Noninterest expense | 11,167,000 | 22,149,000 | 33,490,000 | 44,829,000 |
| Provision for loan losses | 465,000 | 930,000 | 1,395,000 | 2,860,000 |
| Pretax income | 6,686,000 | 15,500,000 | 23,178,000 | 32,930,000 |
| Income tax | 1,559,000 | 3,880,000 | 5,681,000 | 7,504,000 |
| Net income | 5,127,000 | 11,620,000 | 17,497,000 | 25,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 177,117,000 | 183,151,000 | 228,569,000 | 236,089,000 |
| Total capital | 192,138,000 | 198,605,000 | 244,480,000 | 252,889,000 |
| Risk-weighted assets | 1,482,593,000 | 1,539,594,000 | 1,571,633,000 | 1,610,022,000 |