Call reports 2025
AMERICAN BANK & TRUST COMPANY INC. — 2025
What AMERICAN BANK & TRUST COMPANY INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 891,906,000 | 890,172,000 | 890,003,000 | 875,578,000 |
| Total loans | 722,628,000 | 726,475,000 | 700,923,000 | 707,760,000 |
| Allowance for loan losses | 6,269,000 | 6,519,000 | 6,604,000 | 6,775,000 |
| Securities available for sale | 95,314,000 | 96,240,000 | 101,025,000 | 104,805,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 777,217,000 | 772,503,000 | 772,607,000 | 757,541,000 |
| Interest-bearing deposits | 686,794,000 | 676,823,000 | 674,529,000 | 667,296,000 |
| Noninterest-bearing deposits | 90,423,000 | 95,680,000 | 98,078,000 | 90,245,000 |
| Equity capital | 71,552,000 | 74,090,000 | 77,394,000 | 80,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,055,000 | 26,499,000 | 40,213,000 | 53,753,000 |
| Interest expense | 6,915,000 | 13,791,000 | 20,602,000 | 27,064,000 |
| Net interest income | 6,140,000 | 12,708,000 | 19,611,000 | 26,689,000 |
| Noninterest income | 637,000 | 1,316,000 | 2,012,000 | 2,731,000 |
| Noninterest expense | 4,086,000 | 8,250,000 | 12,257,000 | 16,158,000 |
| Provision for loan losses | 258,000 | 531,000 | 825,000 | 1,089,000 |
| Pretax income | 2,433,000 | 5,255,000 | 8,583,000 | 12,215,000 |
| Income tax | 557,000 | 1,222,000 | 2,073,000 | 2,974,000 |
| Net income | 1,876,000 | 4,033,000 | 6,510,000 | 9,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,090,000 | 80,996,000 | 83,223,000 | 85,706,000 |
| Total capital | 85,654,000 | 87,800,000 | 90,082,000 | 92,736,000 |
| Risk-weighted assets | 766,196,000 | 762,898,000 | 746,641,000 | 747,642,000 |