Call reports 2007
AMERICAN BANK OF THE NORTH — 2007
What AMERICAN BANK OF THE NORTH 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 | 527,351,000 | 539,786,000 | 556,364,000 | 579,909,000 |
| Total loans | 493,168,000 | 499,431,000 | 510,828,000 | 533,953,000 |
| Allowance for loan losses | 5,211,000 | 5,296,000 | 5,209,000 | 5,082,000 |
| Securities available for sale | 15,759,000 | 17,535,000 | 17,815,000 | 16,919,000 |
| Securities held to maturity | 3,603,000 | 3,603,000 | 3,603,000 | 3,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,459,000 | 490,258,000 | 487,662,000 | 472,826,000 |
| Interest-bearing deposits | 461,344,000 | 469,356,000 | 475,117,000 | 447,864,000 |
| Noninterest-bearing deposits | 16,115,000 | 20,902,000 | 12,545,000 | 24,962,000 |
| Equity capital | 42,716,000 | 43,322,000 | 46,036,000 | 48,306,000 |
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 | 9,561,000 | 19,581,000 | 29,925,000 | 40,307,000 |
| Interest expense | 4,205,000 | 8,649,000 | 13,268,000 | 18,009,000 |
| Net interest income | 5,356,000 | 10,932,000 | 16,657,000 | 22,298,000 |
| Noninterest income | 402,000 | 842,000 | 1,271,000 | 1,680,000 |
| Noninterest expense | 2,677,000 | 5,474,000 | 8,193,000 | 11,377,000 |
| Provision for loan losses | 435,000 | 625,000 | 625,000 | 1,325,000 |
| Pretax income | 2,646,000 | 5,675,000 | 9,110,000 | 11,276,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 2,645,000 | 5,672,000 | 9,106,000 | 11,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,786,000 | 43,629,000 | 46,078,000 | 48,254,000 |
| Total capital | 47,997,000 | 48,925,000 | 51,287,000 | 53,336,000 |
| Risk-weighted assets | 467,210,000 | 477,796,000 | 497,881,000 | 514,153,000 |