Call reports 2006
AMERICAN BANK & TRUST COMPANY INC. — 2006
What AMERICAN BANK & TRUST COMPANY INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 155,925,000 | 158,004,000 | 168,705,000 | 167,285,000 |
| Total loans | 124,470,000 | 127,655,000 | 132,478,000 | 135,804,000 |
| Allowance for loan losses | 1,551,000 | 1,592,000 | 1,673,000 | 1,695,000 |
| Securities available for sale | 16,073,000 | 16,621,000 | 18,201,000 | 21,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,399,000 | 134,203,000 | 144,108,000 | 143,389,000 |
| Interest-bearing deposits | 115,597,000 | 113,846,000 | 124,117,000 | 126,089,000 |
| Noninterest-bearing deposits | 17,802,000 | 20,357,000 | 19,992,000 | 17,300,000 |
| Equity capital | 12,155,000 | 12,425,000 | 13,067,000 | 13,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,689,000 | 5,615,000 | 8,677,000 | 11,868,000 |
| Interest expense | 1,102,000 | 2,321,000 | 3,683,000 | 5,201,000 |
| Net interest income | 1,587,000 | 3,294,000 | 4,994,000 | 6,667,000 |
| Noninterest income | 152,000 | 305,000 | 436,000 | 597,000 |
| Noninterest expense | 1,003,000 | 2,030,000 | 3,080,000 | 4,228,000 |
| Provision for loan losses | 86,000 | 166,000 | 196,000 | 266,000 |
| Pretax income | 650,000 | 1,403,000 | 2,154,000 | 2,770,000 |
| Income tax | 225,000 | 489,000 | 743,000 | 910,000 |
| Net income | 425,000 | 914,000 | 1,411,000 | 1,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,419,000 | 12,846,000 | 13,281,000 | 13,668,000 |
| Total capital | 13,833,000 | 14,366,000 | 14,902,000 | 15,329,000 |
| Risk-weighted assets | 112,248,000 | 121,561,000 | 129,674,000 | 132,062,000 |