Call reports 2005
AMERICAN NATIONAL BANK — 2005
What AMERICAN NATIONAL 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 | 174,573,000 | 171,539,000 | 180,332,000 | 178,684,000 |
| Total loans | 118,443,000 | 126,460,000 | 138,046,000 | 147,964,000 |
| Allowance for loan losses | 1,149,000 | 1,180,000 | 1,285,000 | 1,406,000 |
| Securities available for sale | 17,742,000 | 17,876,000 | 16,784,000 | 15,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,642,000 | 154,497,000 | 161,333,000 | 159,289,000 |
| Interest-bearing deposits | 123,110,000 | 121,628,000 | 126,595,000 | 118,543,000 |
| Noninterest-bearing deposits | 34,533,000 | 32,869,000 | 34,737,000 | 40,746,000 |
| Equity capital | 12,619,000 | 13,397,000 | 13,943,000 | 14,706,000 |
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 | 2,176,000 | 4,582,000 | 7,185,000 | 9,824,000 |
| Interest expense | 469,000 | 1,009,000 | 1,623,000 | 2,296,000 |
| Net interest income | 1,707,000 | 3,573,000 | 5,562,000 | 7,528,000 |
| Noninterest income | 139,000 | 276,000 | 408,000 | 531,000 |
| Noninterest expense | 944,000 | 1,862,000 | 2,774,000 | 3,775,000 |
| Provision for loan losses | 30,000 | 60,000 | 165,000 | 285,000 |
| Pretax income | 872,000 | 1,927,000 | 3,031,000 | 3,999,000 |
| Income tax | 343,000 | 751,000 | 1,214,000 | 1,438,000 |
| Net income | 529,000 | 1,176,000 | 1,817,000 | 2,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,823,000 | 13,470,000 | 14,111,000 | 14,855,000 |
| Total capital | 13,972,000 | 14,650,000 | 15,396,000 | 16,261,000 |
| Risk-weighted assets | 130,728,000 | 137,155,000 | 151,385,000 | 157,801,000 |