Call reports 2007
AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2007
What AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 599,686,000 | 616,342,000 | 635,517,000 | 659,524,000 |
| Total loans | 420,645,000 | 440,484,000 | 469,814,000 | 491,727,000 |
| Allowance for loan losses | 3,667,000 | 3,755,000 | 3,993,000 | 3,892,000 |
| Securities available for sale | 126,153,000 | 123,296,000 | 111,038,000 | 106,751,000 |
| Securities held to maturity | 1,025,000 | 1,795,000 | 1,779,000 | 1,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,648,000 | 506,773,000 | 525,087,000 | 563,470,000 |
| Interest-bearing deposits | 444,219,000 | 459,718,000 | 480,955,000 | 511,511,000 |
| Noninterest-bearing deposits | 42,429,000 | 47,055,000 | 44,132,000 | 51,959,000 |
| Equity capital | 45,592,000 | 44,619,000 | 51,658,000 | 51,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,435,000 | 19,564,000 | 30,025,000 | 40,823,000 |
| Interest expense | 5,144,000 | 10,676,000 | 16,425,000 | 22,420,000 |
| Net interest income | 4,291,000 | 8,888,000 | 13,600,000 | 18,403,000 |
| Noninterest income | 1,587,000 | 3,235,000 | 4,829,000 | 6,892,000 |
| Noninterest expense | 4,786,000 | 9,899,000 | 14,989,000 | 20,441,000 |
| Provision for loan losses | 245,000 | 341,000 | 581,000 | 676,000 |
| Pretax income | 847,000 | 1,906,000 | 2,893,000 | 4,212,000 |
| Income tax | 17,000 | 35,000 | 52,000 | 70,000 |
| Net income | 830,000 | 1,871,000 | 2,841,000 | 4,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,972,000 | 45,542,000 | 53,613,000 | 54,663,000 |
| Total capital | 48,639,000 | 49,297,000 | 57,606,000 | 58,555,000 |
| Risk-weighted assets | 462,454,000 | 478,103,000 | 513,091,000 | 549,376,000 |