Call reports 2003
AMERICAN BANK — 2003
What AMERICAN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 461,746,000 | 472,181,000 | 474,735,000 | 476,960,000 |
| Total loans | 143,406,000 | 158,077,000 | 189,058,000 | 207,217,000 |
| Allowance for loan losses | 1,688,000 | 1,932,000 | 2,076,000 | 2,263,000 |
| Securities available for sale | 271,821,000 | 269,098,000 | 243,065,000 | 231,773,000 |
| Securities held to maturity | 12,096,000 | 15,451,000 | 19,421,000 | 15,360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,302,000 | 336,288,000 | 339,367,000 | 342,555,000 |
| Interest-bearing deposits | 319,438,000 | 325,100,000 | 330,671,000 | 331,302,000 |
| Noninterest-bearing deposits | 8,864,000 | 11,188,000 | 8,696,000 | 11,253,000 |
| Equity capital | 34,245,000 | 37,205,000 | 36,789,000 | 36,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,048,000 | 9,777,000 | 14,257,000 | 19,128,000 |
| Interest expense | 2,916,000 | 5,791,000 | 8,597,000 | 11,324,000 |
| Net interest income | 2,132,000 | 3,986,000 | 5,660,000 | 7,804,000 |
| Noninterest income | 266,000 | 636,000 | 960,000 | 1,138,000 |
| Noninterest expense | 1,258,000 | 2,469,000 | 3,682,000 | 4,961,000 |
| Provision for loan losses | -190,000 | 12,000 | 219,000 | 405,000 |
| Pretax income | 1,330,000 | 2,249,000 | 2,624,000 | 3,462,000 |
| Income tax | 407,000 | 672,000 | 764,000 | 1,040,000 |
| Net income | 923,000 | 1,577,000 | 1,860,000 | 2,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,194,000 | 36,348,000 | 36,540,000 | 37,138,000 |
| Total capital | 35,014,000 | 38,369,000 | 38,767,000 | 39,548,000 |
| Risk-weighted assets | 248,269,000 | 237,772,000 | 260,185,000 | 266,103,000 |