Call reports 2004
AMERICAN BANK AND TRUST COMPANY — 2004
What AMERICAN BANK AND TRUST COMPANY 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 | 135,640,000 | 128,502,000 | 125,683,000 | 134,117,000 |
| Total loans | 72,273,000 | 69,760,000 | 66,339,000 | 69,949,000 |
| Allowance for loan losses | 900,000 | 900,000 | 901,000 | 901,000 |
| Securities available for sale | 43,996,000 | 49,931,000 | 49,439,000 | 51,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,095,000 | 104,679,000 | 98,385,000 | 106,705,000 |
| Interest-bearing deposits | 88,588,000 | 79,229,000 | 73,872,000 | 80,593,000 |
| Noninterest-bearing deposits | 25,507,000 | 25,450,000 | 24,513,000 | 26,112,000 |
| Equity capital | 16,095,000 | 15,455,000 | 15,780,000 | 15,576,000 |
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 | 1,633,000 | 3,172,000 | 4,538,000 | 5,979,000 |
| Interest expense | 270,000 | 548,000 | 874,000 | 1,231,000 |
| Net interest income | 1,363,000 | 2,624,000 | 3,664,000 | 4,748,000 |
| Noninterest income | 258,000 | 510,000 | 753,000 | 969,000 |
| Noninterest expense | 1,180,000 | 2,432,000 | 3,584,000 | 4,715,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 465,000 | 726,000 | 870,000 | 1,067,000 |
| Income tax | 180,000 | 277,000 | 327,000 | 390,000 |
| Net income | 285,000 | 449,000 | 543,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,820,000 | 15,871,000 | 15,853,000 | 15,875,000 |
| Total capital | 16,720,000 | 16,771,000 | 16,754,000 | 16,776,000 |
| Risk-weighted assets | 83,786,000 | 81,343,000 | 79,403,000 | 84,899,000 |