Call reports 2003
AMERICAN BANK & TRUST COMPANY INC. — 2003
What AMERICAN BANK & TRUST COMPANY INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 78,312,000 | 85,316,000 | 85,580,000 | 92,959,000 |
| Total loans | 62,269,000 | 68,544,000 | 73,032,000 | 80,685,000 |
| Allowance for loan losses | 717,000 | 833,000 | 880,000 | 994,000 |
| Securities available for sale | 5,888,000 | 7,649,000 | 7,131,000 | 7,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,975,000 | 75,389,000 | 75,479,000 | 80,647,000 |
| Interest-bearing deposits | 58,201,000 | 63,153,000 | 65,643,000 | 71,281,000 |
| Noninterest-bearing deposits | 12,774,000 | 12,236,000 | 9,836,000 | 9,366,000 |
| Equity capital | 6,203,000 | 6,647,000 | 6,850,000 | 7,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,072,000 | 2,159,000 | 3,509,000 | 4,791,000 |
| Interest expense | 375,000 | 818,000 | 1,272,000 | 1,702,000 |
| Net interest income | 697,000 | 1,341,000 | 2,237,000 | 3,089,000 |
| Noninterest income | 109,000 | 408,000 | 435,000 | 578,000 |
| Noninterest expense | 535,000 | 1,066,000 | 1,675,000 | 2,226,000 |
| Provision for loan losses | 72,000 | 187,000 | 250,000 | 376,000 |
| Pretax income | 199,000 | 496,000 | 747,000 | 1,065,000 |
| Income tax | 66,000 | 164,000 | 251,000 | 361,000 |
| Net income | 133,000 | 332,000 | 496,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,194,000 | 6,594,000 | 6,957,000 | 7,165,000 |
| Total capital | 6,911,000 | 7,387,000 | 7,837,000 | 8,106,000 |
| Risk-weighted assets | 60,959,000 | 63,385,000 | 70,517,000 | 74,649,000 |