Call reports 2007
AMERICAN BANK — 2007
What AMERICAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 497,668,000 | 500,197,000 | 499,131,000 | 501,419,000 |
| Total loans | 315,035,000 | 305,546,000 | 315,960,000 | 312,005,000 |
| Allowance for loan losses | 3,522,000 | 3,936,000 | 4,129,000 | 4,134,000 |
| Securities available for sale | 139,284,000 | 139,559,000 | 140,901,000 | 139,713,000 |
| Securities held to maturity | 10,624,000 | 10,921,000 | 9,344,000 | 8,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,912,000 | 386,878,000 | 382,696,000 | 376,323,000 |
| Interest-bearing deposits | 377,582,000 | 375,578,000 | 375,980,000 | 370,377,000 |
| Noninterest-bearing deposits | 7,330,000 | 11,300,000 | 6,716,000 | 5,946,000 |
| Equity capital | 42,280,000 | 42,320,000 | 40,923,000 | 39,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,033,000 | 14,408,000 | 21,711,000 | 29,085,000 |
| Interest expense | 4,504,000 | 9,128,000 | 13,819,000 | 18,607,000 |
| Net interest income | 2,529,000 | 5,280,000 | 7,892,000 | 10,478,000 |
| Noninterest income | 213,000 | 422,000 | 636,000 | 841,000 |
| Noninterest expense | 1,519,000 | 3,124,000 | 4,656,000 | 6,207,000 |
| Provision for loan losses | 0 | 321,000 | 511,000 | 519,000 |
| Pretax income | 1,224,000 | 2,258,000 | 3,362,000 | 4,278,000 |
| Income tax | 374,000 | 685,000 | 959,000 | 1,178,000 |
| Net income | 850,000 | 1,573,000 | 2,403,000 | 3,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,353,000 | 42,525,000 | 41,105,000 | 41,261,000 |
| Total capital | 46,087,000 | 46,461,000 | 45,234,000 | 45,395,000 |
| Risk-weighted assets | 360,829,000 | 355,258,000 | 361,517,000 | 361,242,000 |