Call reports 2005
AMERICAN BANK AND TRUST COMPANY — 2005
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 151,032,000 | 126,848,000 | 132,646,000 | 140,146,000 |
| Total loans | 65,642,000 | 61,573,000 | 67,005,000 | 72,521,000 |
| Allowance for loan losses | 885,000 | 1,289,000 | 1,295,000 | 1,296,000 |
| Securities available for sale | 54,507,000 | 55,856,000 | 55,891,000 | 55,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,925,000 | 108,064,000 | 108,151,000 | 116,827,000 |
| Interest-bearing deposits | 93,595,000 | 80,144,000 | 78,588,000 | 83,985,000 |
| Noninterest-bearing deposits | 30,330,000 | 27,920,000 | 29,563,000 | 32,842,000 |
| Equity capital | 15,416,000 | 15,394,000 | 15,282,000 | 15,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,051,000 | 3,699,000 | 5,417,000 | 7,480,000 |
| Interest expense | 434,000 | 955,000 | 1,520,000 | 2,195,000 |
| Net interest income | 1,617,000 | 2,744,000 | 3,897,000 | 5,285,000 |
| Noninterest income | 259,000 | 484,000 | 795,000 | 1,036,000 |
| Noninterest expense | 1,254,000 | 2,441,000 | 3,670,000 | 5,056,000 |
| Provision for loan losses | 0 | 437,000 | 444,000 | 444,000 |
| Pretax income | 622,000 | 350,000 | 578,000 | 821,000 |
| Income tax | 241,000 | 124,000 | 207,000 | 303,000 |
| Net income | 381,000 | 226,000 | 371,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,144,000 | 15,876,000 | 15,909,000 | 15,944,000 |
| Total capital | 17,029,000 | 16,864,000 | 16,956,000 | 17,029,000 |
| Risk-weighted assets | 86,521,000 | 78,740,000 | 83,516,000 | 89,984,000 |