Call reports 2004
AMERICAN BANK & TRUST COMPANY INC. — 2004
What AMERICAN BANK & TRUST COMPANY INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 109,189,000 | 121,166,000 | 124,629,000 | 128,447,000 |
| Total loans | 94,086,000 | 104,025,000 | 111,208,000 | 111,275,000 |
| Allowance for loan losses | 1,152,000 | 1,312,000 | 1,180,000 | 893,000 |
| Securities available for sale | 9,292,000 | 9,495,000 | 9,961,000 | 9,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,063,000 | 106,367,000 | 107,280,000 | 107,524,000 |
| Interest-bearing deposits | 84,788,000 | 94,083,000 | 93,841,000 | 95,950,000 |
| Noninterest-bearing deposits | 10,275,000 | 12,284,000 | 13,439,000 | 11,574,000 |
| Equity capital | 7,832,000 | 8,494,000 | 8,836,000 | 9,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 3,116,000 | 4,881,000 | 6,828,000 |
| Interest expense | 480,000 | 1,019,000 | 1,619,000 | 2,261,000 |
| Net interest income | 999,000 | 2,097,000 | 3,262,000 | 4,567,000 |
| Noninterest income | 128,000 | 280,000 | 406,000 | 550,000 |
| Noninterest expense | 628,000 | 1,287,000 | 2,017,000 | 2,849,000 |
| Provision for loan losses | 193,000 | 347,000 | 547,000 | 665,000 |
| Pretax income | 306,000 | 743,000 | 1,104,000 | 1,603,000 |
| Income tax | 104,000 | 250,000 | 373,000 | 543,000 |
| Net income | 202,000 | 493,000 | 731,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,818,000 | 8,634,000 | 8,871,000 | 9,200,000 |
| Total capital | 8,904,000 | 9,848,000 | 10,052,000 | 10,093,000 |
| Risk-weighted assets | 86,776,000 | 97,054,000 | 100,185,000 | 99,411,000 |