Call reports 2015
AMERICAN BANK OF THE NORTH — 2015
What AMERICAN BANK OF THE NORTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 557,982,000 | 577,242,000 | 579,046,000 | 578,695,000 |
| Total loans | 450,460,000 | 462,521,000 | 449,882,000 | 459,135,000 |
| Allowance for loan losses | 8,669,000 | 8,230,000 | 6,727,000 | 8,369,000 |
| Securities available for sale | 69,021,000 | 69,469,000 | 78,554,000 | 76,878,000 |
| Securities held to maturity | 1,144,000 | 1,144,000 | 1,143,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,364,000 | 493,649,000 | 502,746,000 | 500,791,000 |
| Interest-bearing deposits | 457,925,000 | 453,027,000 | 464,989,000 | 464,136,000 |
| Noninterest-bearing deposits | 34,439,000 | 40,622,000 | 37,757,000 | 36,655,000 |
| Equity capital | 40,069,000 | 48,219,000 | 49,238,000 | 48,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,284,000 | 10,682,000 | 16,084,000 | 21,616,000 |
| Interest expense | 435,000 | 908,000 | 1,405,000 | 1,905,000 |
| Net interest income | 4,849,000 | 9,774,000 | 14,679,000 | 19,711,000 |
| Noninterest income | 685,000 | 1,685,000 | 2,217,000 | 3,073,000 |
| Noninterest expense | 4,667,000 | 9,422,000 | 13,819,000 | 18,713,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,900,000 |
| Pretax income | 903,000 | 2,089,000 | 3,129,000 | 2,223,000 |
| Income tax | -3,906,000 | -11,576,000 | -11,243,000 | -11,721,000 |
| Net income | 4,809,000 | 13,665,000 | 14,372,000 | 13,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,161,000 | 41,983,000 | 42,653,000 | 41,937,000 |
| Total capital | 44,841,000 | 47,828,000 | 48,405,000 | 47,781,000 |
| Risk-weighted assets | 451,457,000 | 461,942,000 | 455,357,000 | 460,943,000 |