Call reports 2003
AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 341,854,000 | 449,295,000 | 447,186,000 | 442,818,000 |
| Total loans | 241,849,000 | 231,249,000 | 241,393,000 | 251,330,000 |
| Allowance for loan losses | 3,832,000 | 3,822,000 | 3,822,000 | 3,781,000 |
| Securities available for sale | 65,616,000 | 162,866,000 | 160,128,000 | 154,538,000 |
| Securities held to maturity | 1,320,000 | 1,345,000 | 1,345,000 | 925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,297,000 | 288,726,000 | 289,711,000 | 284,246,000 |
| Interest-bearing deposits | 253,219,000 | 256,081,000 | 259,381,000 | 248,826,000 |
| Noninterest-bearing deposits | 32,078,000 | 32,645,000 | 30,330,000 | 35,420,000 |
| Equity capital | 26,649,000 | 36,243,000 | 33,957,000 | 35,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,515,000 | 8,765,000 | 13,992,000 | 19,300,000 |
| Interest expense | 1,977,000 | 3,746,000 | 6,042,000 | 8,214,000 |
| Net interest income | 2,538,000 | 5,019,000 | 7,950,000 | 11,086,000 |
| Noninterest income | 1,510,000 | 3,400,000 | 5,387,000 | 6,742,000 |
| Noninterest expense | 3,280,000 | 6,656,000 | 10,129,000 | 13,498,000 |
| Provision for loan losses | 91,000 | 91,000 | 92,000 | 92,000 |
| Pretax income | 677,000 | 1,672,000 | 3,183,000 | 4,306,000 |
| Income tax | -47,000 | -22,000 | 3,000 | 4,000 |
| Net income | 724,000 | 1,694,000 | 3,180,000 | 4,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,093,000 | 32,299,000 | 32,894,000 | 33,844,000 |
| Total capital | 26,255,000 | 35,709,000 | 36,442,000 | 37,489,000 |
| Risk-weighted assets | 252,325,000 | 272,450,000 | 283,528,000 | 291,384,000 |