Call reports 2004
AMERICAN BANK, NATIONAL ASSOCIATION — 2004
What AMERICAN BANK, NATIONAL ASSOCIATION 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 | 158,598,000 | 160,772,000 | 166,134,000 | 175,122,000 |
| Total loans | 128,611,000 | 128,803,000 | 135,914,000 | 138,820,000 |
| Allowance for loan losses | 1,394,000 | 1,348,000 | 1,371,000 | 1,347,000 |
| Securities available for sale | 17,709,000 | 16,633,000 | 16,508,000 | 17,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,431,000 | 134,950,000 | 138,224,000 | 146,486,000 |
| Interest-bearing deposits | 121,646,000 | 124,682,000 | 127,729,000 | 130,890,000 |
| Noninterest-bearing deposits | 10,785,000 | 10,268,000 | 10,495,000 | 15,596,000 |
| Equity capital | 13,761,000 | 13,639,000 | 14,122,000 | 14,855,000 |
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 | 2,153,000 | 4,351,000 | 6,635,000 | 8,999,000 |
| Interest expense | 935,000 | 1,864,000 | 2,832,000 | 3,863,000 |
| Net interest income | 1,218,000 | 2,487,000 | 3,803,000 | 5,136,000 |
| Noninterest income | 260,000 | 460,000 | 733,000 | 1,042,000 |
| Noninterest expense | 836,000 | 1,502,000 | 2,277,000 | 3,063,000 |
| Provision for loan losses | 264,000 | 264,000 | 289,000 | 289,000 |
| Pretax income | 379,000 | 1,175,000 | 1,964,000 | 2,820,000 |
| Income tax | 20,000 | 57,000 | 97,000 | 142,000 |
| Net income | 359,000 | 1,118,000 | 1,867,000 | 2,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,820,000 | 12,929,000 | 13,353,000 | 14,164,000 |
| Total capital | 14,214,000 | 14,277,000 | 14,724,000 | 15,511,000 |
| Risk-weighted assets | 132,119,000 | 132,307,000 | 138,733,000 | 142,742,000 |