Call reports 2003
AMERICAN BANK, NATIONAL ASSOCIATION — 2003
What AMERICAN BANK, NATIONAL ASSOCIATION 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 | 150,991,000 | 157,134,000 | 152,222,000 | 155,910,000 |
| Total loans | 120,017,000 | 121,507,000 | 118,673,000 | 119,162,000 |
| Allowance for loan losses | 1,328,000 | 1,302,000 | 1,337,000 | 1,309,000 |
| Securities available for sale | 16,755,000 | 17,259,000 | 19,629,000 | 19,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,541,000 | 133,275,000 | 129,325,000 | 133,582,000 |
| Interest-bearing deposits | 118,079,000 | 123,310,000 | 120,091,000 | 123,142,000 |
| Noninterest-bearing deposits | 9,462,000 | 9,965,000 | 9,234,000 | 10,440,000 |
| Equity capital | 12,899,000 | 13,119,000 | 13,076,000 | 13,614,000 |
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 | 2,187,000 | 4,467,000 | 6,619,000 | 8,803,000 |
| Interest expense | 1,068,000 | 2,123,000 | 3,126,000 | 4,103,000 |
| Net interest income | 1,119,000 | 2,344,000 | 3,493,000 | 4,700,000 |
| Noninterest income | 373,000 | 839,000 | 903,000 | 1,181,000 |
| Noninterest expense | 796,000 | 1,466,000 | 2,191,000 | 2,956,000 |
| Provision for loan losses | 130,000 | 270,000 | 335,000 | 445,000 |
| Pretax income | 567,000 | 1,448,000 | 1,871,000 | 2,481,000 |
| Income tax | 34,000 | 68,000 | 101,000 | 121,000 |
| Net income | 533,000 | 1,380,000 | 1,770,000 | 2,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,884,000 | 12,031,000 | 12,146,000 | 12,736,000 |
| Total capital | 13,212,000 | 13,333,000 | 13,483,000 | 14,045,000 |
| Risk-weighted assets | 123,367,000 | 124,196,000 | 122,685,000 | 124,465,000 |