Call reports 2009
AMERICAN BANK AND TRUST COMPANY — 2009
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 166,653,000 | 171,315,000 | 189,691,000 | 164,347,000 |
| Total loans | 70,172,000 | 69,480,000 | 72,871,000 | 78,444,000 |
| Allowance for loan losses | 550,000 | 510,000 | 510,000 | 509,000 |
| Securities available for sale | 69,301,000 | 81,791,000 | 86,200,000 | 69,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,264,000 | 150,310,000 | 169,701,000 | 144,792,000 |
| Interest-bearing deposits | 108,406,000 | 110,888,000 | 135,873,000 | 106,204,000 |
| Noninterest-bearing deposits | 36,858,000 | 39,422,000 | 33,828,000 | 38,588,000 |
| Equity capital | 19,415,000 | 19,213,000 | 19,334,000 | 19,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,806,000 | 3,462,000 | 5,034,000 | 6,528,000 |
| Interest expense | 412,000 | 745,000 | 1,027,000 | 1,288,000 |
| Net interest income | 1,394,000 | 2,717,000 | 4,007,000 | 5,240,000 |
| Noninterest income | 240,000 | 471,000 | 673,000 | 905,000 |
| Noninterest expense | 1,342,000 | 2,700,000 | 4,098,000 | 5,511,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 342,000 | 589,000 | 668,000 | 742,000 |
| Income tax | 113,000 | 208,000 | 228,000 | 247,000 |
| Net income | 229,000 | 381,000 | 440,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,388,000 | 18,428,000 | 18,374,000 | 18,317,000 |
| Total capital | 18,938,000 | 18,938,000 | 18,884,000 | 18,826,000 |
| Risk-weighted assets | 90,558,000 | 93,430,000 | 94,562,000 | 94,288,000 |