Call reports 2012
AMERICAN BANK OF THE NORTH — 2012
What AMERICAN BANK OF THE NORTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 627,161,000 | 605,575,000 | 597,525,000 | 591,125,000 |
| Total loans | 473,417,000 | 475,453,000 | 458,121,000 | 462,712,000 |
| Allowance for loan losses | 20,314,000 | 18,376,000 | 17,734,000 | 14,328,000 |
| Securities available for sale | 85,973,000 | 94,052,000 | 98,813,000 | 86,190,000 |
| Securities held to maturity | 2,265,000 | 2,265,000 | 2,082,000 | 2,047,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 568,396,000 | 553,518,000 | 551,955,000 | 531,032,000 |
| Interest-bearing deposits | 532,495,000 | 521,514,000 | 512,030,000 | 496,267,000 |
| Noninterest-bearing deposits | 35,901,000 | 32,004,000 | 39,925,000 | 34,765,000 |
| Equity capital | 38,925,000 | 38,812,000 | 33,857,000 | 32,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,258,000 | 12,281,000 | 18,202,000 | 23,998,000 |
| Interest expense | 1,118,000 | 2,144,000 | 2,913,000 | 3,529,000 |
| Net interest income | 5,140,000 | 10,137,000 | 15,289,000 | 20,469,000 |
| Noninterest income | 717,000 | 99,000 | -1,204,000 | -1,254,000 |
| Noninterest expense | 4,636,000 | 9,523,000 | 13,386,000 | 18,234,000 |
| Provision for loan losses | 100,000 | 1,900,000 | 7,400,000 | 9,100,000 |
| Pretax income | 3,303,000 | 995,000 | -4,385,000 | -5,640,000 |
| Income tax | 1,000 | 2,000 | 5,000 | 5,000 |
| Net income | 3,302,000 | 993,000 | -4,390,000 | -5,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,855,000 | 36,547,000 | 31,165,000 | 29,913,000 |
| Total capital | 44,561,000 | 42,259,000 | 36,654,000 | 35,448,000 |
| Risk-weighted assets | 441,866,000 | 444,347,000 | 426,832,000 | 433,975,000 |