Call reports 2004
AMERICAN BANK OF THE NORTH — 2004
What AMERICAN BANK OF THE NORTH 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 | 382,260,000 | 400,251,000 | 411,170,000 | 417,090,000 |
| Total loans | 340,457,000 | 358,199,000 | 372,170,000 | 382,203,000 |
| Allowance for loan losses | 3,828,000 | 4,068,000 | 4,151,000 | 4,242,000 |
| Securities available for sale | 20,707,000 | 27,354,000 | 23,779,000 | 19,351,000 |
| Securities held to maturity | 343,000 | 343,000 | 343,000 | 343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,376,000 | 346,954,000 | 358,428,000 | 361,168,000 |
| Interest-bearing deposits | 314,427,000 | 321,184,000 | 328,477,000 | 335,283,000 |
| Noninterest-bearing deposits | 24,949,000 | 25,770,000 | 29,951,000 | 25,885,000 |
| Equity capital | 32,162,000 | 31,419,000 | 33,280,000 | 34,900,000 |
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 | 5,302,000 | 10,888,000 | 16,814,000 | 22,971,000 |
| Interest expense | 1,593,000 | 3,244,000 | 5,007,000 | 6,886,000 |
| Net interest income | 3,709,000 | 7,644,000 | 11,807,000 | 16,085,000 |
| Noninterest income | 357,000 | 677,000 | 998,000 | 1,334,000 |
| Noninterest expense | 2,131,000 | 4,236,000 | 6,333,000 | 8,823,000 |
| Provision for loan losses | 210,000 | 480,000 | 630,000 | 760,000 |
| Pretax income | 1,897,000 | 3,777,000 | 6,040,000 | 8,083,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 1,896,000 | 3,775,000 | 6,036,000 | 8,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,654,000 | 31,546,000 | 32,969,000 | 34,343,000 |
| Total capital | 35,446,000 | 35,536,000 | 37,120,000 | 38,585,000 |
| Risk-weighted assets | 303,296,000 | 319,135,000 | 336,635,000 | 345,857,000 |