Call reports 2008
AMERICAN BANK — 2008
What AMERICAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 498,886,000 | 492,289,000 | 497,963,000 | 487,910,000 |
| Total loans | 319,243,000 | 315,799,000 | 321,366,000 | 313,489,000 |
| Allowance for loan losses | 4,283,000 | 4,306,000 | 4,374,000 | 4,406,000 |
| Securities available for sale | 141,470,000 | 129,934,000 | 119,709,000 | 138,649,000 |
| Securities held to maturity | 8,951,000 | 8,938,000 | 8,915,000 | 8,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,926,000 | 361,230,000 | 359,489,000 | 348,102,000 |
| Interest-bearing deposits | 358,765,000 | 353,552,000 | 353,000,000 | 342,577,000 |
| Noninterest-bearing deposits | 6,161,000 | 7,678,000 | 6,489,000 | 5,525,000 |
| Equity capital | 38,740,000 | 36,216,000 | 32,249,000 | 31,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,025,000 | 13,728,000 | 20,357,000 | 26,841,000 |
| Interest expense | 4,452,000 | 8,414,000 | 12,258,000 | 15,883,000 |
| Net interest income | 2,573,000 | 5,314,000 | 8,099,000 | 10,958,000 |
| Noninterest income | 209,000 | 436,000 | 658,000 | 846,000 |
| Noninterest expense | 1,615,000 | 3,180,000 | 4,677,000 | 6,241,000 |
| Provision for loan losses | 50,000 | 72,000 | 147,000 | 179,000 |
| Pretax income | 1,117,000 | 2,498,000 | -1,931,000 | -801,000 |
| Income tax | 318,000 | 729,000 | -836,000 | -444,000 |
| Net income | 799,000 | 1,769,000 | -1,095,000 | -357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,014,000 | 41,006,000 | 38,977,000 | 38,513,000 |
| Total capital | 45,297,000 | 45,312,000 | 43,351,000 | 42,919,000 |
| Risk-weighted assets | 365,765,000 | 364,433,000 | 368,707,000 | 385,060,000 |