Call reports 2016
AMERICAN BANK & TRUST COMPANY INC. — 2016
What AMERICAN BANK & TRUST COMPANY INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 290,106,000 | 290,555,000 | 285,252,000 | 282,379,000 |
| Total loans | 222,346,000 | 232,295,000 | 235,453,000 | 232,355,000 |
| Allowance for loan losses | 2,503,000 | 2,750,000 | 2,706,000 | 2,695,000 |
| Securities available for sale | 24,621,000 | 24,905,000 | 23,387,000 | 21,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,479,000 | 262,388,000 | 256,544,000 | 253,793,000 |
| Interest-bearing deposits | 221,186,000 | 221,372,000 | 215,503,000 | 208,671,000 |
| Noninterest-bearing deposits | 41,293,000 | 41,016,000 | 41,041,000 | 45,122,000 |
| Equity capital | 26,611,000 | 27,206,000 | 27,525,000 | 27,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,034,000 | 6,202,000 | 9,467,000 | 12,747,000 |
| Interest expense | 514,000 | 1,032,000 | 1,559,000 | 2,047,000 |
| Net interest income | 2,520,000 | 5,170,000 | 7,908,000 | 10,700,000 |
| Noninterest income | 344,000 | 801,000 | 1,231,000 | 1,567,000 |
| Noninterest expense | 2,163,000 | 4,212,000 | 6,330,000 | 8,341,000 |
| Provision for loan losses | 2,000 | 266,000 | 560,000 | 614,000 |
| Pretax income | 699,000 | 1,493,000 | 2,249,000 | 3,312,000 |
| Income tax | 245,000 | 522,000 | 787,000 | 1,146,000 |
| Net income | 454,000 | 971,000 | 1,462,000 | 2,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,441,000 | 26,833,000 | 27,199,000 | 27,778,000 |
| Total capital | 28,944,000 | 29,583,000 | 29,905,000 | 30,473,000 |
| Risk-weighted assets | 212,008,000 | 223,939,000 | 229,689,000 | 229,341,000 |