Call reports 2004
AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2004
What AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 451,159,000 | 468,464,000 | 472,933,000 | 465,107,000 |
| Total loans | 265,105,000 | 282,946,000 | 298,034,000 | 290,733,000 |
| Allowance for loan losses | 3,947,000 | 4,127,000 | 4,276,000 | 4,260,000 |
| Securities available for sale | 150,921,000 | 150,305,000 | 145,905,000 | 131,877,000 |
| Securities held to maturity | 925,000 | 950,000 | 950,000 | 560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,618,000 | 332,414,000 | 332,606,000 | 337,325,000 |
| Interest-bearing deposits | 263,068,000 | 299,204,000 | 301,003,000 | 302,636,000 |
| Noninterest-bearing deposits | 32,550,000 | 33,210,000 | 31,603,000 | 34,689,000 |
| Equity capital | 37,669,000 | 33,318,000 | 37,390,000 | 38,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,284,000 | 10,596,000 | 16,461,000 | 22,436,000 |
| Interest expense | 1,999,000 | 4,106,000 | 6,341,000 | 8,651,000 |
| Net interest income | 3,285,000 | 6,490,000 | 10,120,000 | 13,785,000 |
| Noninterest income | 1,015,000 | 2,398,000 | 3,412,000 | 4,764,000 |
| Noninterest expense | 3,166,000 | 6,647,000 | 9,971,000 | 13,825,000 |
| Provision for loan losses | 188,000 | 375,000 | 563,000 | 563,000 |
| Pretax income | 1,541,000 | 2,474,000 | 3,762,000 | 4,859,000 |
| Income tax | 15,000 | 47,000 | 77,000 | 108,000 |
| Net income | 1,526,000 | 2,427,000 | 3,685,000 | 4,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,899,000 | 35,127,000 | 35,918,000 | 36,843,000 |
| Total capital | 38,670,000 | 39,224,000 | 40,111,000 | 41,004,000 |
| Risk-weighted assets | 301,399,000 | 327,407,000 | 335,330,000 | 332,748,000 |