Call reports 2004
AMERICAN BANK, THE — 2004
What AMERICAN BANK, THE 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 | 80,229,000 | 80,051,000 | 82,467,000 | 85,149,000 |
| Total loans | 42,546,000 | 44,571,000 | 45,965,000 | 46,073,000 |
| Allowance for loan losses | 656,000 | 656,000 | 647,000 | 659,000 |
| Securities available for sale | 33,305,000 | 29,918,000 | 30,649,000 | 31,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,309,000 | 67,732,000 | 68,977,000 | 71,652,000 |
| Interest-bearing deposits | 57,839,000 | 58,274,000 | 59,523,000 | 61,271,000 |
| Noninterest-bearing deposits | 9,470,000 | 9,458,000 | 9,454,000 | 10,381,000 |
| Equity capital | 12,304,000 | 12,022,000 | 12,815,000 | 12,983,000 |
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 | 1,082,000 | 2,144,000 | 3,255,000 | 4,397,000 |
| Interest expense | 261,000 | 522,000 | 801,000 | 1,098,000 |
| Net interest income | 821,000 | 1,622,000 | 2,454,000 | 3,299,000 |
| Noninterest income | 106,000 | 221,000 | 341,000 | 453,000 |
| Noninterest expense | 405,000 | 839,000 | 1,250,000 | 1,730,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 507,000 | 984,000 | 1,509,000 | 1,971,000 |
| Income tax | 135,000 | 277,000 | 443,000 | 573,000 |
| Net income | 372,000 | 707,000 | 1,066,000 | 1,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,770,000 | 12,106,000 | 12,464,000 | 12,776,000 |
| Total capital | 12,374,000 | 12,724,000 | 13,111,000 | 13,435,000 |
| Risk-weighted assets | 47,642,000 | 49,719,000 | 51,793,000 | 55,741,000 |