Call reports 2004
AMERICAN BANK — 2004
What AMERICAN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,787,000 | 68,268,000 | 69,732,000 | 76,420,000 |
| Total loans | 58,468,000 | 58,694,000 | 60,961,000 | 64,899,000 |
| Allowance for loan losses | 668,000 | 668,000 | 631,000 | 672,000 |
| Securities available for sale | 7,330,000 | 6,979,000 | 6,845,000 | 6,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,002,000 | 59,711,000 | 58,830,000 | 67,598,000 |
| Interest-bearing deposits | 54,992,000 | 53,662,000 | 51,979,000 | 61,505,000 |
| Noninterest-bearing deposits | 6,010,000 | 6,049,000 | 6,851,000 | 6,093,000 |
| Equity capital | 7,440,000 | 7,388,000 | 7,843,000 | 7,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,842,000 | 2,805,000 | 3,829,000 |
| Interest expense | 256,000 | 524,000 | 806,000 | 1,113,000 |
| Net interest income | 656,000 | 1,318,000 | 1,999,000 | 2,716,000 |
| Noninterest income | 122,000 | 260,000 | 392,000 | 519,000 |
| Noninterest expense | 501,000 | 989,000 | 1,470,000 | 1,999,000 |
| Provision for loan losses | 0 | 0 | 0 | 72,000 |
| Pretax income | 277,000 | 589,000 | 921,000 | 1,164,000 |
| Income tax | 94,000 | 285,000 | 285,000 | 285,000 |
| Net income | 183,000 | 304,000 | 636,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,346,000 | 7,466,000 | 7,799,000 | 7,981,000 |
| Total capital | 8,014,000 | 8,134,000 | 8,430,000 | 8,653,000 |
| Risk-weighted assets | 63,340,000 | 62,445,000 | 63,844,000 | 67,651,000 |