Call reports 2002
AMERICAN BANK AND TRUST COMPANY — 2002
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 146,990,000 | 151,253,000 | 163,330,000 | 154,321,000 |
| Total loans | 74,833,000 | 72,448,000 | 79,406,000 | 79,964,000 |
| Allowance for loan losses | 927,000 | 924,000 | 926,000 | 926,000 |
| Securities available for sale | 48,231,000 | 41,333,000 | 40,679,000 | 40,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,812,000 | 128,859,000 | 141,591,000 | 132,234,000 |
| Interest-bearing deposits | 100,865,000 | 104,848,000 | 113,058,000 | 107,014,000 |
| Noninterest-bearing deposits | 30,947,000 | 24,011,000 | 28,533,000 | 25,220,000 |
| Equity capital | 14,034,000 | 14,839,000 | 15,508,000 | 15,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,771,000 | 3,612,000 | 5,386,000 | 7,120,000 |
| Interest expense | 493,000 | 922,000 | 1,367,000 | 1,799,000 |
| Net interest income | 1,278,000 | 2,690,000 | 4,019,000 | 5,321,000 |
| Noninterest income | 236,000 | 459,000 | 679,000 | 932,000 |
| Noninterest expense | 1,190,000 | 2,376,000 | 3,534,000 | 4,764,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 335,000 | 791,000 | 1,415,000 | 2,093,000 |
| Income tax | 120,000 | 288,000 | 511,000 | 750,000 |
| Net income | 215,000 | 503,000 | 904,000 | 1,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,238,000 | 14,414,000 | 14,703,000 | 15,029,000 |
| Total capital | 15,165,000 | 15,338,000 | 15,629,000 | 15,955,000 |
| Risk-weighted assets | 83,171,000 | 80,147,000 | 88,907,000 | 88,797,000 |