Call reports 2003
AMERICAN BANK AND TRUST COMPANY — 2003
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 136,264,000 | 124,571,000 | 126,007,000 | 133,965,000 |
| Total loans | 75,646,000 | 76,519,000 | 72,087,000 | 71,510,000 |
| Allowance for loan losses | 918,000 | 918,000 | 901,000 | 900,000 |
| Securities available for sale | 45,814,000 | 33,056,000 | 36,930,000 | 38,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,308,000 | 102,920,000 | 104,856,000 | 112,763,000 |
| Interest-bearing deposits | 90,421,000 | 73,752,000 | 75,203,000 | 82,409,000 |
| Noninterest-bearing deposits | 24,887,000 | 29,168,000 | 29,653,000 | 30,354,000 |
| Equity capital | 15,595,000 | 15,731,000 | 15,817,000 | 15,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,534,000 | 3,186,000 | 4,635,000 | 6,132,000 |
| Interest expense | 357,000 | 674,000 | 942,000 | 1,202,000 |
| Net interest income | 1,177,000 | 2,512,000 | 3,693,000 | 4,930,000 |
| Noninterest income | 235,000 | 490,000 | 768,000 | 1,030,000 |
| Noninterest expense | 1,219,000 | 2,381,000 | 3,551,000 | 4,736,000 |
| Provision for loan losses | 0 | 0 | -10,000 | -10,000 |
| Pretax income | 201,000 | 729,000 | 1,075,000 | 1,540,000 |
| Income tax | 73,000 | 275,000 | 407,000 | 553,000 |
| Net income | 128,000 | 454,000 | 668,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,113,000 | 15,326,000 | 15,428,000 | 15,635,000 |
| Total capital | 16,031,000 | 16,244,000 | 16,329,000 | 16,535,000 |
| Risk-weighted assets | 84,140,000 | 83,684,000 | 80,526,000 | 81,868,000 |