Call reports 2005
AMERICAN CONTINENTAL BANK — 2005
What AMERICAN CONTINENTAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 49,753,000 | 62,580,000 | 62,118,000 | 59,816,000 |
| Total loans | 37,174,000 | 44,851,000 | 44,945,000 | 44,272,000 |
| Allowance for loan losses | 384,000 | 444,000 | 488,000 | 519,000 |
| Securities available for sale | 6,200,000 | 6,036,000 | 5,784,000 | 5,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,015,000 | 55,641,000 | 55,028,000 | 49,540,000 |
| Interest-bearing deposits | 40,190,000 | 52,323,000 | 52,041,000 | 46,419,000 |
| Noninterest-bearing deposits | 2,825,000 | 3,318,000 | 2,987,000 | 3,121,000 |
| Equity capital | 6,493,000 | 6,582,000 | 6,695,000 | 6,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,526,000 | 2,515,000 | 3,600,000 |
| Interest expense | 241,000 | 577,000 | 985,000 | 1,397,000 |
| Net interest income | 415,000 | 949,000 | 1,530,000 | 2,203,000 |
| Noninterest income | 18,000 | 134,000 | 179,000 | 277,000 |
| Noninterest expense | 429,000 | 863,000 | 1,332,000 | 1,846,000 |
| Provision for loan losses | 71,000 | 231,000 | 275,000 | 306,000 |
| Pretax income | -67,000 | -11,000 | 102,000 | 328,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -67,000 | -12,000 | 101,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,605,000 | 6,660,000 | 6,773,000 | 7,011,000 |
| Total capital | 7,012,000 | 7,127,000 | 7,284,000 | 7,553,000 |
| Risk-weighted assets | 38,894,000 | 45,914,000 | 46,717,000 | 46,893,000 |