Call reports 2014
AMERICAN BANK AND TRUST COMPANY — 2014
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 211,231,000 | 199,144,000 | 193,113,000 | 218,991,000 |
| Total loans | 76,058,000 | 77,255,000 | 82,058,000 | 83,968,000 |
| Allowance for loan losses | 683,000 | 666,000 | 667,000 | 667,000 |
| Securities available for sale | 86,654,000 | 92,822,000 | 82,658,000 | 79,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,087,000 | 164,864,000 | 158,841,000 | 184,112,000 |
| Interest-bearing deposits | 93,843,000 | 95,019,000 | 100,174,000 | 107,827,000 |
| Noninterest-bearing deposits | 83,244,000 | 69,845,000 | 58,667,000 | 76,285,000 |
| Equity capital | 19,159,000 | 19,489,000 | 19,484,000 | 19,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,324,000 | 2,725,000 | 4,196,000 | 5,871,000 |
| Interest expense | 190,000 | 377,000 | 570,000 | 767,000 |
| Net interest income | 1,134,000 | 2,348,000 | 3,626,000 | 5,104,000 |
| Noninterest income | 304,000 | 640,000 | 989,000 | 1,471,000 |
| Noninterest expense | 1,254,000 | 2,559,000 | 3,940,000 | 5,327,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 438,000 | 691,000 | 1,272,000 |
| Income tax | 68,000 | 175,000 | 271,000 | 504,000 |
| Net income | 118,000 | 263,000 | 420,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,371,000 | 19,404,000 | 19,448,000 | 19,684,000 |
| Total capital | 20,054,000 | 20,070,000 | 20,115,000 | 20,351,000 |
| Risk-weighted assets | 108,351,000 | 110,883,000 | 112,916,000 | 114,365,000 |