Call reports 2008
AMERICAN BANK AND TRUST COMPANY — 2008
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 168,398,000 | 183,531,000 | 183,004,000 | 172,007,000 |
| Total loans | 63,398,000 | 61,488,000 | 63,056,000 | 64,243,000 |
| Allowance for loan losses | 500,000 | 520,000 | 518,000 | 549,000 |
| Securities available for sale | 73,615,000 | 87,163,000 | 88,256,000 | 85,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,879,000 | 163,672,000 | 163,179,000 | 150,293,000 |
| Interest-bearing deposits | 85,270,000 | 103,258,000 | 125,874,000 | 114,157,000 |
| Noninterest-bearing deposits | 62,609,000 | 60,414,000 | 37,305,000 | 36,136,000 |
| Equity capital | 18,548,000 | 18,213,000 | 18,275,000 | 19,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,451,000 | 6,561,000 | 8,654,000 |
| Interest expense | 841,000 | 1,477,000 | 2,111,000 | 2,748,000 |
| Net interest income | 1,459,000 | 2,974,000 | 4,450,000 | 5,906,000 |
| Noninterest income | 348,000 | 760,000 | 1,026,000 | 1,279,000 |
| Noninterest expense | 1,333,000 | 2,722,000 | 4,028,000 | 5,433,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 50,000 |
| Pretax income | 557,000 | 1,273,000 | 1,724,000 | 2,259,000 |
| Income tax | 203,000 | 474,000 | 645,000 | 915,000 |
| Net income | 354,000 | 799,000 | 1,079,000 | 1,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,619,000 | 17,952,000 | 18,119,000 | 18,272,000 |
| Total capital | 18,119,000 | 18,472,000 | 18,637,000 | 18,821,000 |
| Risk-weighted assets | 88,558,000 | 92,208,000 | 93,114,000 | 90,009,000 |