Call reports 2005
AMERICAN BANK, THE — 2005
What AMERICAN BANK, THE 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 | 84,784,000 | 88,253,000 | 86,739,000 | 88,858,000 |
| Total loans | 47,396,000 | 48,561,000 | 50,392,000 | 52,717,000 |
| Allowance for loan losses | 614,000 | 612,000 | 626,000 | 629,000 |
| Securities available for sale | 32,542,000 | 32,858,000 | 31,191,000 | 28,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,688,000 | 74,471,000 | 71,823,000 | 74,589,000 |
| Interest-bearing deposits | 60,170,000 | 62,288,000 | 60,284,000 | 61,863,000 |
| Noninterest-bearing deposits | 11,518,000 | 12,183,000 | 11,539,000 | 12,726,000 |
| Equity capital | 12,805,000 | 13,409,000 | 13,566,000 | 13,805,000 |
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 | 1,156,000 | 2,342,000 | 3,608,000 | 4,921,000 |
| Interest expense | 315,000 | 655,000 | 1,034,000 | 1,455,000 |
| Net interest income | 841,000 | 1,687,000 | 2,574,000 | 3,466,000 |
| Noninterest income | 109,000 | 206,000 | 307,000 | 409,000 |
| Noninterest expense | 403,000 | 860,000 | 1,337,000 | 1,765,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 532,000 | 997,000 | 1,494,000 | 2,045,000 |
| Income tax | 114,000 | 242,000 | 383,000 | 543,000 |
| Net income | 418,000 | 755,000 | 1,111,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,894,000 | 13,230,000 | 13,587,000 | 13,633,000 |
| Total capital | 13,508,000 | 13,842,000 | 14,213,000 | 14,262,000 |
| Risk-weighted assets | 50,927,000 | 53,515,000 | 53,014,000 | 66,344,000 |