Call reports 2008
AMERICAN BANK OF THE NORTH — 2008
What AMERICAN BANK OF THE NORTH reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 610,580,000 | 638,875,000 | 631,895,000 | 631,242,000 |
| Total loans | 566,108,000 | 583,187,000 | 578,509,000 | 582,509,000 |
| Allowance for loan losses | 5,397,000 | 6,283,000 | 6,149,000 | 10,200,000 |
| Securities available for sale | 18,622,000 | 27,733,000 | 27,748,000 | 24,959,000 |
| Securities held to maturity | 3,496,000 | 3,496,000 | 2,929,000 | 3,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,259,000 | 508,262,000 | 541,618,000 | 537,730,000 |
| Interest-bearing deposits | 464,298,000 | 494,126,000 | 526,449,000 | 507,245,000 |
| Noninterest-bearing deposits | 13,961,000 | 14,136,000 | 15,169,000 | 30,485,000 |
| Equity capital | 50,906,000 | 52,326,000 | 54,203,000 | 52,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,903,000 | 19,449,000 | 29,243,000 | 38,611,000 |
| Interest expense | 4,549,000 | 8,767,000 | 12,763,000 | 16,373,000 |
| Net interest income | 5,354,000 | 10,682,000 | 16,480,000 | 22,238,000 |
| Noninterest income | 539,000 | 1,185,000 | 1,741,000 | 2,298,000 |
| Noninterest expense | 3,091,000 | 6,254,000 | 9,476,000 | 12,834,000 |
| Provision for loan losses | 445,000 | 1,445,000 | 6,215,000 | 12,606,000 |
| Pretax income | 2,357,000 | 4,168,000 | 2,530,000 | -904,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 2,356,000 | 4,165,000 | 2,526,000 | -909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,619,000 | 52,413,000 | 54,284,000 | 52,160,000 |
| Total capital | 56,016,000 | 58,696,000 | 60,433,000 | 59,164,000 |
| Risk-weighted assets | 543,913,000 | 559,162,000 | 555,664,000 | 557,104,000 |