Call reports 2005
AMERICAN BANK & TRUST COMPANY INC. — 2005
What AMERICAN BANK & TRUST COMPANY INC. 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 | 134,201,000 | 147,952,000 | 147,164,000 | 148,131,000 |
| Total loans | 114,524,000 | 121,096,000 | 120,103,000 | 120,742,000 |
| Allowance for loan losses | 956,000 | 1,201,000 | 1,191,000 | 1,503,000 |
| Securities available for sale | 10,379,000 | 12,993,000 | 14,257,000 | 15,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,232,000 | 124,203,000 | 121,168,000 | 125,075,000 |
| Interest-bearing deposits | 104,984,000 | 111,009,000 | 104,453,000 | 110,630,000 |
| Noninterest-bearing deposits | 11,248,000 | 13,194,000 | 16,715,000 | 14,445,000 |
| Equity capital | 9,773,000 | 10,535,000 | 11,706,000 | 11,836,000 |
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 | 2,035,000 | 4,320,000 | 6,719,000 | 9,374,000 |
| Interest expense | 747,000 | 1,637,000 | 2,588,000 | 3,587,000 |
| Net interest income | 1,288,000 | 2,683,000 | 4,131,000 | 5,787,000 |
| Noninterest income | 139,000 | 317,000 | 498,000 | 564,000 |
| Noninterest expense | 885,000 | 1,791,000 | 2,726,000 | 3,673,000 |
| Provision for loan losses | 49,000 | 279,000 | 779,000 | 1,157,000 |
| Pretax income | 493,000 | 930,000 | 1,124,000 | 1,521,000 |
| Income tax | 168,000 | 316,000 | 388,000 | 520,000 |
| Net income | 325,000 | 614,000 | 736,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,926,000 | 10,615,000 | 11,836,000 | 12,049,000 |
| Total capital | 10,882,000 | 11,816,000 | 13,027,000 | 13,405,000 |
| Risk-weighted assets | 102,856,000 | 110,999,000 | 109,463,000 | 107,609,000 |