Call reports 2005
AMERICAN BANK, THE — 2005
What AMERICAN BANK, THE 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 | 27,778,000 | 27,986,000 | 27,308,000 | 28,351,000 |
| Total loans | 9,469,000 | 9,191,000 | 9,059,000 | 9,279,000 |
| Allowance for loan losses | 177,000 | 192,000 | 208,000 | 224,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,558,000 | 13,114,000 | 12,755,000 | 11,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,464,000 | 22,588,000 | 21,834,000 | 22,947,000 |
| Interest-bearing deposits | 17,045,000 | 17,172,000 | 16,416,000 | 17,242,000 |
| Noninterest-bearing deposits | 5,419,000 | 5,416,000 | 5,418,000 | 5,705,000 |
| Equity capital | 5,004,000 | 5,088,000 | 5,180,000 | 5,072,000 |
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 | 302,000 | 611,000 | 925,000 | 1,256,000 |
| Interest expense | 54,000 | 115,000 | 190,000 | 273,000 |
| Net interest income | 248,000 | 496,000 | 735,000 | 983,000 |
| Noninterest income | 57,000 | 121,000 | 194,000 | 253,000 |
| Noninterest expense | 246,000 | 459,000 | 664,000 | 967,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 44,000 | 128,000 | 220,000 | 209,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 0 |
| Net income | 41,000 | 125,000 | 217,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,004,000 | 5,088,000 | 5,180,000 | 5,072,000 |
| Total capital | 5,151,000 | 5,234,000 | 5,326,000 | 5,225,000 |
| Risk-weighted assets | 11,685,000 | 11,619,000 | 11,598,000 | 12,131,000 |