Call reports 2019
AMERICAN BANK OF THE NORTH — 2019
What AMERICAN BANK OF THE NORTH reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 534,572,000 | 512,237,000 | 526,554,000 | 529,062,000 |
| Total loans | 400,161,000 | 389,821,000 | 383,830,000 | 375,723,000 |
| Allowance for loan losses | 7,532,000 | 6,376,000 | 6,448,000 | 5,871,000 |
| Securities available for sale | 82,073,000 | 80,393,000 | 87,815,000 | 90,175,000 |
| Securities held to maturity | 223,000 | 223,000 | 221,000 | 1,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,143,000 | 444,911,000 | 463,153,000 | 455,624,000 |
| Interest-bearing deposits | 417,873,000 | 403,608,000 | 418,976,000 | 417,520,000 |
| Noninterest-bearing deposits | 46,270,000 | 41,303,000 | 44,177,000 | 38,104,000 |
| Equity capital | 57,797,000 | 58,577,000 | 54,660,000 | 56,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,358,000 | 10,772,000 | 16,519,000 | 22,678,000 |
| Interest expense | 457,000 | 936,000 | 1,438,000 | 1,917,000 |
| Net interest income | 4,901,000 | 9,836,000 | 15,081,000 | 20,761,000 |
| Noninterest income | 517,000 | 1,338,000 | 2,223,000 | 3,018,000 |
| Noninterest expense | 3,706,000 | 7,792,000 | 11,578,000 | 15,710,000 |
| Provision for loan losses | 0 | -1,400,000 | -2,150,000 | -2,650,000 |
| Pretax income | 1,715,000 | 4,785,000 | 7,905,000 | 10,750,000 |
| Income tax | 433,000 | 1,259,000 | 2,090,000 | 2,843,000 |
| Net income | 1,282,000 | 3,526,000 | 5,815,000 | 7,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,479,000 | 57,574,000 | 54,003,000 | 56,571,000 |
| Total capital | 62,520,000 | 62,547,000 | 58,910,000 | 61,379,000 |
| Risk-weighted assets | 400,763,000 | 396,479,000 | 391,012,000 | 383,550,000 |