Call reports 2003
AMERICAN BANK OF THE NORTH — 2003
What AMERICAN BANK OF THE NORTH 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 | 319,047,000 | 326,285,000 | 362,617,000 | 364,824,000 |
| Total loans | 284,553,000 | 296,494,000 | 312,667,000 | 318,378,000 |
| Allowance for loan losses | 3,262,000 | 3,474,000 | 3,572,000 | 3,693,000 |
| Securities available for sale | 14,053,000 | 15,968,000 | 34,648,000 | 28,640,000 |
| Securities held to maturity | 526,000 | 526,000 | 524,000 | 523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,420,000 | 292,021,000 | 324,653,000 | 326,484,000 |
| Interest-bearing deposits | 267,185,000 | 273,103,000 | 299,149,000 | 303,650,000 |
| Noninterest-bearing deposits | 19,235,000 | 18,918,000 | 25,504,000 | 22,834,000 |
| Equity capital | 26,403,000 | 26,704,000 | 28,129,000 | 28,782,000 |
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 | 5,203,000 | 10,488,000 | 15,954,000 | 21,408,000 |
| Interest expense | 1,733,000 | 3,473,000 | 5,058,000 | 6,688,000 |
| Net interest income | 3,470,000 | 7,015,000 | 10,896,000 | 14,720,000 |
| Noninterest income | 254,000 | 559,000 | 850,000 | 1,081,000 |
| Noninterest expense | 2,008,000 | 4,003,000 | 6,011,000 | 8,180,000 |
| Provision for loan losses | 125,000 | 410,000 | 575,000 | 905,000 |
| Pretax income | 1,591,000 | 3,161,000 | 5,160,000 | 6,796,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 1,590,000 | 3,158,000 | 5,156,000 | 6,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,809,000 | 26,189,000 | 27,599,000 | 28,246,000 |
| Total capital | 28,951,000 | 29,437,000 | 31,047,000 | 31,756,000 |
| Risk-weighted assets | 251,223,000 | 259,597,000 | 275,667,000 | 280,613,000 |