Call reports 2016
AMERICAN BANK OF THE NORTH — 2016
What AMERICAN BANK OF THE NORTH reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 573,301,000 | 558,060,000 | 571,032,000 | 566,756,000 |
| Total loans | 459,251,000 | 460,529,000 | 453,238,000 | 448,880,000 |
| Allowance for loan losses | 8,358,000 | 8,503,000 | 9,075,000 | 7,838,000 |
| Securities available for sale | 65,590,000 | 59,771,000 | 76,835,000 | 69,347,000 |
| Securities held to maturity | 441,000 | 441,000 | 439,000 | 380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,466,000 | 479,765,000 | 488,807,000 | 490,933,000 |
| Interest-bearing deposits | 460,433,000 | 443,033,000 | 447,804,000 | 451,166,000 |
| Noninterest-bearing deposits | 36,033,000 | 36,732,000 | 41,003,000 | 39,767,000 |
| Equity capital | 49,842,000 | 50,710,000 | 51,232,000 | 50,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,523,000 | 10,934,000 | 16,169,000 | 21,421,000 |
| Interest expense | 500,000 | 981,000 | 1,466,000 | 1,941,000 |
| Net interest income | 5,023,000 | 9,953,000 | 14,703,000 | 19,480,000 |
| Noninterest income | 1,089,000 | 1,708,000 | 2,798,000 | 3,791,000 |
| Noninterest expense | 4,545,000 | 8,966,000 | 13,128,000 | 17,630,000 |
| Provision for loan losses | 0 | 0 | 600,000 | 800,000 |
| Pretax income | 1,615,000 | 2,839,000 | 4,034,000 | 5,102,000 |
| Income tax | 589,000 | 1,009,000 | 1,417,000 | 1,758,000 |
| Net income | 1,026,000 | 1,830,000 | 2,617,000 | 3,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,199,000 | 44,545,000 | 45,876,000 | 46,714,000 |
| Total capital | 48,950,000 | 50,391,000 | 51,705,000 | 52,469,000 |
| Risk-weighted assets | 454,628,000 | 462,332,000 | 460,614,000 | 456,201,000 |