Call reports 2004
AMERICAN BANK — 2004
What AMERICAN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 496,687,000 | 501,151,000 | 501,978,000 | 491,768,000 |
| Total loans | 209,662,000 | 224,170,000 | 236,435,000 | 244,878,000 |
| Allowance for loan losses | 2,305,000 | 2,426,000 | 2,511,000 | 2,598,000 |
| Securities available for sale | 249,045,000 | 222,540,000 | 227,780,000 | 209,378,000 |
| Securities held to maturity | 15,066,000 | 13,825,000 | 13,924,000 | 13,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,219,000 | 361,583,000 | 356,272,000 | 346,266,000 |
| Interest-bearing deposits | 354,186,000 | 350,246,000 | 347,968,000 | 339,214,000 |
| Noninterest-bearing deposits | 7,033,000 | 11,337,000 | 8,304,000 | 7,052,000 |
| Equity capital | 38,197,000 | 36,942,000 | 39,232,000 | 40,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,097,000 | 10,128,000 | 15,174,000 | 20,628,000 |
| Interest expense | 2,696,000 | 5,411,000 | 8,142,000 | 10,972,000 |
| Net interest income | 2,401,000 | 4,717,000 | 7,032,000 | 9,656,000 |
| Noninterest income | 202,000 | 423,000 | 638,000 | 908,000 |
| Noninterest expense | 1,364,000 | 2,638,000 | 3,906,000 | 5,255,000 |
| Provision for loan losses | 45,000 | 184,000 | 275,000 | 393,000 |
| Pretax income | 1,194,000 | 2,229,000 | 3,400,000 | 4,827,000 |
| Income tax | 374,000 | 678,000 | 1,043,000 | 1,476,000 |
| Net income | 820,000 | 1,551,000 | 2,357,000 | 3,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,958,000 | 38,702,000 | 39,508,000 | 40,498,000 |
| Total capital | 40,417,000 | 41,300,000 | 42,197,000 | 43,266,000 |
| Risk-weighted assets | 271,647,000 | 291,079,000 | 296,701,000 | 302,025,000 |