Call reports 2005
AMERICAN BANK, NATIONAL ASSOCIATION — 2005
What AMERICAN BANK, NATIONAL ASSOCIATION 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 | 175,506,000 | 175,576,000 | 176,343,000 | 190,543,000 |
| Total loans | 147,594,000 | 146,802,000 | 145,993,000 | 156,695,000 |
| Allowance for loan losses | 1,481,000 | 1,572,000 | 1,522,000 | 1,508,000 |
| Securities available for sale | 17,768,000 | 17,667,000 | 17,557,000 | 16,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,662,000 | 144,481,000 | 143,778,000 | 157,254,000 |
| Interest-bearing deposits | 133,576,000 | 134,064,000 | 132,703,000 | 140,755,000 |
| Noninterest-bearing deposits | 11,086,000 | 10,417,000 | 11,075,000 | 16,499,000 |
| Equity capital | 14,923,000 | 15,038,000 | 15,446,000 | 16,336,000 |
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 | 2,418,000 | 5,033,000 | 7,707,000 | 10,583,000 |
| Interest expense | 1,055,000 | 2,246,000 | 3,518,000 | 4,872,000 |
| Net interest income | 1,363,000 | 2,787,000 | 4,189,000 | 5,711,000 |
| Noninterest income | 212,000 | 455,000 | 703,000 | 946,000 |
| Noninterest expense | 845,000 | 1,545,000 | 2,277,000 | 3,041,000 |
| Provision for loan losses | 181,000 | 351,000 | 376,000 | 376,000 |
| Pretax income | 549,000 | 1,342,000 | 2,235,000 | 3,236,000 |
| Income tax | 26,000 | 66,000 | 111,000 | 162,000 |
| Net income | 523,000 | 1,276,000 | 2,124,000 | 3,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,362,000 | 14,395,000 | 14,883,000 | 15,833,000 |
| Total capital | 15,843,000 | 15,972,000 | 16,410,000 | 17,346,000 |
| Risk-weighted assets | 149,874,000 | 150,044,000 | 148,151,000 | 159,458,000 |