Call reports 2005
AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2005
What AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 456,199,000 | 456,121,000 | 467,638,000 | 478,656,000 |
| Total loans | 288,775,000 | 288,321,000 | 296,511,000 | 317,365,000 |
| Allowance for loan losses | 4,251,000 | 4,052,000 | 4,046,000 | 4,035,000 |
| Securities available for sale | 130,840,000 | 123,306,000 | 122,349,000 | 116,287,000 |
| Securities held to maturity | 560,000 | 585,000 | 585,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,872,000 | 345,141,000 | 355,633,000 | 368,367,000 |
| Interest-bearing deposits | 299,458,000 | 310,034,000 | 319,694,000 | 330,201,000 |
| Noninterest-bearing deposits | 32,414,000 | 35,107,000 | 35,939,000 | 38,166,000 |
| Equity capital | 38,075,000 | 39,608,000 | 39,527,000 | 38,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,886,000 | 11,886,000 | 18,021,000 | 24,443,000 |
| Interest expense | 2,283,000 | 4,721,000 | 7,428,000 | 10,466,000 |
| Net interest income | 3,603,000 | 7,165,000 | 10,593,000 | 13,977,000 |
| Noninterest income | 1,198,000 | 2,494,000 | 4,048,000 | 5,329,000 |
| Noninterest expense | 3,451,000 | 7,314,000 | 11,331,000 | 15,469,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -200,000 |
| Pretax income | 1,363,000 | 2,572,000 | 3,537,000 | 4,072,000 |
| Income tax | 0 | 0 | 0 | -15,000 |
| Net income | 1,363,000 | 2,572,000 | 3,537,000 | 4,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,075,000 | 38,585,000 | 39,168,000 | 39,565,000 |
| Total capital | 42,152,000 | 42,637,000 | 43,214,000 | 43,600,000 |
| Risk-weighted assets | 326,022,000 | 326,229,000 | 341,529,000 | 352,596,000 |