Call reports 2006
AMERICAN BANK AND TRUST COMPANY — 2006
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 138,836,000 | 153,697,000 | 157,563,000 | 157,840,000 |
| Total loans | 70,249,000 | 67,206,000 | 62,598,000 | 68,702,000 |
| Allowance for loan losses | 1,300,000 | 1,318,000 | 1,268,000 | 1,644,000 |
| Securities available for sale | 55,692,000 | 57,230,000 | 69,879,000 | 72,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,640,000 | 135,025,000 | 139,937,000 | 140,030,000 |
| Interest-bearing deposits | 88,149,000 | 101,664,000 | 109,258,000 | 103,063,000 |
| Noninterest-bearing deposits | 29,491,000 | 33,361,000 | 30,679,000 | 36,967,000 |
| Equity capital | 15,378,000 | 15,411,000 | 15,656,000 | 15,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,977,000 | 4,154,000 | 6,315,000 | 8,857,000 |
| Interest expense | 782,000 | 1,724,000 | 2,803,000 | 3,987,000 |
| Net interest income | 1,195,000 | 2,430,000 | 3,512,000 | 4,870,000 |
| Noninterest income | 689,000 | 916,000 | 1,133,000 | 1,372,000 |
| Noninterest expense | 1,364,000 | 2,618,000 | 3,886,000 | 5,134,000 |
| Provision for loan losses | 2,000 | 17,000 | 17,000 | 393,000 |
| Pretax income | 518,000 | 711,000 | 742,000 | 715,000 |
| Income tax | 204,000 | 284,000 | 293,000 | 272,000 |
| Net income | 314,000 | 427,000 | 449,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,146,000 | 16,146,000 | 16,056,000 | 15,937,000 |
| Total capital | 17,249,000 | 17,279,000 | 17,151,000 | 17,076,000 |
| Risk-weighted assets | 88,024,000 | 90,472,000 | 87,424,000 | 90,587,000 |