Call reports 2005
AMERICAN BANK — 2005
What AMERICAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 515,571,000 | 508,548,000 | 516,451,000 | 520,650,000 |
| Total loans | 255,206,000 | 274,482,000 | 290,917,000 | 304,615,000 |
| Allowance for loan losses | 2,734,000 | 2,899,000 | 3,066,000 | 3,213,000 |
| Securities available for sale | 215,558,000 | 199,213,000 | 185,740,000 | 181,790,000 |
| Securities held to maturity | 23,281,000 | 12,566,000 | 12,280,000 | 12,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,273,000 | 358,885,000 | 372,061,000 | 372,449,000 |
| Interest-bearing deposits | 348,562,000 | 351,036,000 | 360,586,000 | 364,407,000 |
| Noninterest-bearing deposits | 10,711,000 | 7,849,000 | 11,475,000 | 8,042,000 |
| Equity capital | 40,642,000 | 42,121,000 | 42,516,000 | 42,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,815,000 | 11,852,000 | 18,076,000 | 24,544,000 |
| Interest expense | 2,973,000 | 6,234,000 | 9,740,000 | 13,634,000 |
| Net interest income | 2,842,000 | 5,618,000 | 8,336,000 | 10,910,000 |
| Noninterest income | 222,000 | 439,000 | 700,000 | 901,000 |
| Noninterest expense | 1,360,000 | 2,828,000 | 4,318,000 | 5,723,000 |
| Provision for loan losses | 136,000 | 304,000 | 485,000 | 624,000 |
| Pretax income | 1,569,000 | 2,925,000 | 4,089,000 | 5,121,000 |
| Income tax | 489,000 | 893,000 | 1,238,000 | 1,573,000 |
| Net income | 1,080,000 | 2,032,000 | 2,851,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,566,000 | 42,502,000 | 43,407,000 | 44,103,000 |
| Total capital | 44,471,000 | 45,574,000 | 46,660,000 | 47,496,000 |
| Risk-weighted assets | 334,417,000 | 333,677,000 | 339,553,000 | 350,039,000 |