Call reports 2003
AMERICAN BANK, THE — 2003
What AMERICAN BANK, THE 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 | 77,686,000 | 78,902,000 | 78,675,000 | 80,829,000 |
| Total loans | 36,167,000 | 38,151,000 | 38,063,000 | 41,129,000 |
| Allowance for loan losses | 589,000 | 593,000 | 609,000 | 617,000 |
| Securities available for sale | 30,440,000 | 31,110,000 | 32,459,000 | 34,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,113,000 | 65,649,000 | 65,697,000 | 67,589,000 |
| Interest-bearing deposits | 55,808,000 | 56,500,000 | 56,135,000 | 57,501,000 |
| Noninterest-bearing deposits | 9,305,000 | 9,149,000 | 9,562,000 | 10,088,000 |
| Equity capital | 12,064,000 | 12,564,000 | 12,448,000 | 12,802,000 |
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 | 1,061,000 | 2,068,000 | 3,113,000 | 4,180,000 |
| Interest expense | 348,000 | 672,000 | 984,000 | 1,262,000 |
| Net interest income | 713,000 | 1,396,000 | 2,129,000 | 2,918,000 |
| Noninterest income | 90,000 | 182,000 | 266,000 | 348,000 |
| Noninterest expense | 386,000 | 817,000 | 1,267,000 | 1,754,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 405,000 | 739,000 | 1,090,000 | 1,465,000 |
| Income tax | 106,000 | 202,000 | 308,000 | 382,000 |
| Net income | 299,000 | 537,000 | 782,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,684,000 | 11,921,000 | 12,117,000 | 12,418,000 |
| Total capital | 12,273,000 | 12,514,000 | 12,685,000 | 13,013,000 |
| Risk-weighted assets | 47,418,000 | 61,539,000 | 45,432,000 | 47,600,000 |