Call reports 2007
AMERICAN BANK & TRUST COMPANY INC. — 2007
What AMERICAN BANK & TRUST COMPANY INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,489,000 | 175,698,000 | 180,437,000 | 182,678,000 |
| Total loans | 138,741,000 | 141,531,000 | 146,030,000 | 150,578,000 |
| Allowance for loan losses | 1,738,000 | 1,764,000 | 1,763,000 | 1,830,000 |
| Securities available for sale | 21,717,000 | 23,610,000 | 25,059,000 | 23,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,034,000 | 161,026,000 | 156,659,000 | 158,272,000 |
| Interest-bearing deposits | 133,067,000 | 145,930,000 | 140,330,000 | 141,987,000 |
| Noninterest-bearing deposits | 17,967,000 | 15,096,000 | 16,329,000 | 16,285,000 |
| Equity capital | 13,767,000 | 14,074,000 | 14,591,000 | 14,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,165,000 | 6,498,000 | 9,753,000 | 13,058,000 |
| Interest expense | 1,591,000 | 3,256,000 | 4,967,000 | 6,651,000 |
| Net interest income | 1,574,000 | 3,242,000 | 4,786,000 | 6,407,000 |
| Noninterest income | 214,000 | 441,000 | 799,000 | 1,031,000 |
| Noninterest expense | 1,156,000 | 2,331,000 | 3,568,000 | 4,880,000 |
| Provision for loan losses | 54,000 | 119,000 | 217,000 | 385,000 |
| Pretax income | 578,000 | 1,233,000 | 1,796,000 | 2,184,000 |
| Income tax | 192,000 | 412,000 | 596,000 | 724,000 |
| Net income | 386,000 | 821,000 | 1,200,000 | 1,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,994,000 | 14,368,000 | 14,684,000 | 14,881,000 |
| Total capital | 15,690,000 | 16,041,000 | 16,447,000 | 16,672,000 |
| Risk-weighted assets | 135,236,000 | 133,835,000 | 141,577,000 | 143,254,000 |