Call reports 2005
AMERICAN BANK OF THE NORTH — 2005
What AMERICAN BANK OF THE NORTH 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 | 409,634,000 | 421,233,000 | 433,696,000 | 446,979,000 |
| Total loans | 370,802,000 | 384,534,000 | 394,973,000 | 408,751,000 |
| Allowance for loan losses | 4,316,000 | 4,194,000 | 4,422,000 | 4,409,000 |
| Securities available for sale | 18,812,000 | 17,415,000 | 17,324,000 | 17,013,000 |
| Securities held to maturity | 333,000 | 2,883,000 | 2,883,000 | 3,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,694,000 | 365,323,000 | 378,680,000 | 395,476,000 |
| Interest-bearing deposits | 340,961,000 | 336,140,000 | 347,856,000 | 366,630,000 |
| Noninterest-bearing deposits | 27,733,000 | 29,183,000 | 30,824,000 | 28,846,000 |
| Equity capital | 35,108,000 | 35,339,000 | 35,420,000 | 35,748,000 |
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 | 6,248,000 | 12,610,000 | 19,391,000 | 26,642,000 |
| Interest expense | 1,921,000 | 3,934,000 | 6,160,000 | 8,750,000 |
| Net interest income | 4,327,000 | 8,676,000 | 13,231,000 | 17,892,000 |
| Noninterest income | 318,000 | 720,000 | 1,136,000 | 1,532,000 |
| Noninterest expense | 2,457,000 | 5,019,000 | 7,568,000 | 10,264,000 |
| Provision for loan losses | 100,000 | 100,000 | 400,000 | 425,000 |
| Pretax income | 2,088,000 | 4,277,000 | 6,399,000 | 8,735,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 2,087,000 | 4,274,000 | 6,395,000 | 8,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,905,000 | 35,007,000 | 35,254,000 | 35,820,000 |
| Total capital | 39,064,000 | 39,201,000 | 39,676,000 | 40,229,000 |
| Risk-weighted assets | 332,555,000 | 351,358,000 | 363,566,000 | 378,655,000 |