Call reports 2012
AMERICAN BANK AND TRUST COMPANY — 2012
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,604,000 | 194,673,000 | 186,620,000 | 189,956,000 |
| Total loans | 81,465,000 | 81,202,000 | 80,551,000 | 80,716,000 |
| Allowance for loan losses | 715,000 | 716,000 | 716,000 | 683,000 |
| Securities available for sale | 72,038,000 | 70,796,000 | 63,812,000 | 79,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,174,000 | 170,369,000 | 162,256,000 | 165,490,000 |
| Interest-bearing deposits | 98,177,000 | 102,223,000 | 99,977,000 | 92,049,000 |
| Noninterest-bearing deposits | 58,997,000 | 68,146,000 | 62,279,000 | 73,441,000 |
| Equity capital | 19,088,000 | 19,073,000 | 19,053,000 | 19,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 3,425,000 | 4,870,000 | 6,259,000 |
| Interest expense | 195,000 | 389,000 | 586,000 | 780,000 |
| Net interest income | 1,793,000 | 3,036,000 | 4,284,000 | 5,479,000 |
| Noninterest income | 326,000 | 516,000 | 790,000 | 1,013,000 |
| Noninterest expense | 1,448,000 | 2,825,000 | 4,225,000 | 5,277,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 475,000 | 538,000 | 679,000 | 1,053,000 |
| Income tax | 190,000 | 214,000 | 270,000 | 369,000 |
| Net income | 285,000 | 324,000 | 409,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,055,000 | 18,981,000 | 18,954,000 | 19,115,000 |
| Total capital | 19,770,000 | 19,697,000 | 19,671,000 | 19,798,000 |
| Risk-weighted assets | 103,520,000 | 102,427,000 | 103,540,000 | 107,482,000 |