Call reports 2003
AMERICAN BANK — 2003
What AMERICAN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,321,000 | 73,751,000 | 67,004,000 | 73,540,000 |
| Total loans | 56,022,000 | 58,544,000 | 56,012,000 | 58,248,000 |
| Allowance for loan losses | 671,000 | 671,000 | 670,000 | 666,000 |
| Securities available for sale | 7,509,000 | 7,796,000 | 6,628,000 | 7,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,821,000 | 64,441,000 | 58,924,000 | 63,332,000 |
| Interest-bearing deposits | 55,312,000 | 57,196,000 | 50,936,000 | 57,107,000 |
| Noninterest-bearing deposits | 6,509,000 | 7,245,000 | 7,988,000 | 6,225,000 |
| Equity capital | 6,997,000 | 7,194,000 | 7,350,000 | 7,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,278,000 | 3,253,000 | 4,185,000 |
| Interest expense | 336,000 | 662,000 | 957,000 | 1,212,000 |
| Net interest income | 779,000 | 1,616,000 | 2,296,000 | 2,973,000 |
| Noninterest income | 113,000 | 201,000 | 296,000 | 378,000 |
| Noninterest expense | 521,000 | 1,068,000 | 1,599,000 | 2,106,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 371,000 | 749,000 | 993,000 | 1,245,000 |
| Income tax | 130,000 | 261,000 | 346,000 | 431,000 |
| Net income | 241,000 | 488,000 | 647,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,890,000 | 7,137,000 | 7,296,000 | 7,163,000 |
| Total capital | 7,561,000 | 7,808,000 | 7,966,000 | 7,829,000 |
| Risk-weighted assets | 56,931,000 | 63,474,000 | 60,115,000 | 70,100,000 |