Call reports 2015
AMERICAN BANK AND TRUST COMPANY — 2015
What AMERICAN BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 213,745,000 | 210,287,000 | 219,915,000 | 200,301,000 |
| Total loans | 82,463,000 | 91,788,000 | 89,547,000 | 88,694,000 |
| Allowance for loan losses | 667,000 | 1,167,000 | 1,167,000 | 273,000 |
| Securities available for sale | 87,324,000 | 79,258,000 | 80,541,000 | 82,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,597,000 | 174,834,000 | 183,754,000 | 164,942,000 |
| Interest-bearing deposits | 112,003,000 | 113,310,000 | 109,000,000 | 92,164,000 |
| Noninterest-bearing deposits | 61,594,000 | 61,524,000 | 74,754,000 | 72,778,000 |
| Equity capital | 20,445,000 | 21,126,000 | 21,726,000 | 21,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,583,000 | 3,343,000 | 5,053,000 | 6,816,000 |
| Interest expense | 200,000 | 378,000 | 559,000 | 726,000 |
| Net interest income | 1,383,000 | 2,965,000 | 4,494,000 | 6,090,000 |
| Noninterest income | 574,000 | 2,714,000 | 3,221,000 | 3,739,000 |
| Noninterest expense | 1,404,000 | 2,911,000 | 4,299,000 | 5,820,000 |
| Provision for loan losses | 0 | 500,000 | 500,000 | 500,000 |
| Pretax income | 557,000 | 2,277,000 | 2,953,000 | 3,590,000 |
| Income tax | 222,000 | 907,000 | 1,174,000 | 1,424,000 |
| Net income | 335,000 | 1,370,000 | 1,779,000 | 2,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,906,000 | 20,829,000 | 21,125,000 | 21,399,000 |
| Total capital | 20,573,000 | 21,996,000 | 22,292,000 | 21,672,000 |
| Risk-weighted assets | 123,197,000 | 128,420,000 | 129,085,000 | 127,858,000 |