Call reports 2004
AMERICAN HORIZONS BANK — 2004
What AMERICAN HORIZONS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 265,178,000 | 263,902,000 | 266,831,000 | 250,107,000 |
| Total loans | 213,256,000 | 210,270,000 | 216,005,000 | 206,735,000 |
| Allowance for loan losses | 2,057,000 | 2,061,000 | 2,386,000 | 2,564,000 |
| Securities available for sale | 14,085,000 | 12,204,000 | 12,807,000 | 11,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,585,000 | 195,496,000 | 197,784,000 | 193,348,000 |
| Interest-bearing deposits | 161,561,000 | 157,859,000 | 159,630,000 | 154,558,000 |
| Noninterest-bearing deposits | 36,024,000 | 37,637,000 | 38,154,000 | 38,790,000 |
| Equity capital | 25,469,000 | 26,354,000 | 27,200,000 | 27,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,781,000 | 7,629,000 | 11,582,000 | 15,474,000 |
| Interest expense | 967,000 | 1,971,000 | 3,010,000 | 3,985,000 |
| Net interest income | 2,814,000 | 5,658,000 | 8,572,000 | 11,489,000 |
| Noninterest income | 749,000 | 2,210,000 | 3,098,000 | 3,949,000 |
| Noninterest expense | 2,361,000 | 4,632,000 | 6,956,000 | 9,412,000 |
| Provision for loan losses | 262,000 | 629,000 | 1,004,000 | 1,379,000 |
| Pretax income | 940,000 | 2,608,000 | 3,711,000 | 4,648,000 |
| Income tax | 317,000 | 887,000 | 1,262,000 | 1,580,000 |
| Net income | 623,000 | 1,721,000 | 2,449,000 | 3,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,390,000 | 26,488,000 | 27,215,000 | 27,834,000 |
| Total capital | 27,447,000 | 28,549,000 | 29,601,000 | 30,328,000 |
| Risk-weighted assets | 211,346,000 | 206,980,000 | 209,862,000 | 199,489,000 |