Call reports 2007
AMERICAN BANK AND TRUST COMPANY — 2007
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 169,787,000 | 171,613,000 | 163,897,000 | 171,635,000 |
| Total loans | 69,671,000 | 70,392,000 | 67,502,000 | 66,661,000 |
| Allowance for loan losses | 1,644,000 | 1,644,000 | 350,000 | 500,000 |
| Securities available for sale | 76,211,000 | 81,027,000 | 75,816,000 | 83,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,340,000 | 152,121,000 | 144,473,000 | 151,887,000 |
| Interest-bearing deposits | 112,918,000 | 119,180,000 | 109,855,000 | 109,558,000 |
| Noninterest-bearing deposits | 37,422,000 | 32,941,000 | 34,618,000 | 42,329,000 |
| Equity capital | 16,964,000 | 17,039,000 | 17,591,000 | 18,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,399,000 | 5,047,000 | 7,838,000 | 10,375,000 |
| Interest expense | 1,133,000 | 2,373,000 | 3,544,000 | 4,626,000 |
| Net interest income | 1,266,000 | 2,674,000 | 4,294,000 | 5,749,000 |
| Noninterest income | 2,161,000 | 2,395,000 | 2,609,000 | 2,849,000 |
| Noninterest expense | 1,324,000 | 2,594,000 | 3,846,000 | 5,282,000 |
| Provision for loan losses | 0 | 0 | 253,000 | 403,000 |
| Pretax income | 2,103,000 | 2,475,000 | 2,820,000 | 2,932,000 |
| Income tax | 823,000 | 958,000 | 1,076,000 | 1,043,000 |
| Net income | 1,280,000 | 1,517,000 | 1,744,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,105,000 | 17,230,000 | 17,344,000 | 17,378,000 |
| Total capital | 18,314,000 | 18,428,000 | 17,694,000 | 17,878,000 |
| Risk-weighted assets | 96,288,000 | 95,415,000 | 92,344,000 | 93,413,000 |