Call reports 2006
AMERICAN BANK, THE — 2006
What AMERICAN BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 87,393,000 | 87,303,000 | 91,452,000 | 94,116,000 |
| Total loans | 54,073,000 | 54,771,000 | 51,234,000 | 50,687,000 |
| Allowance for loan losses | 650,000 | 663,000 | 700,000 | 716,000 |
| Securities available for sale | 27,671,000 | 26,438,000 | 28,475,000 | 31,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,816,000 | 72,935,000 | 76,408,000 | 78,896,000 |
| Interest-bearing deposits | 60,750,000 | 61,143,000 | 64,248,000 | 66,844,000 |
| Noninterest-bearing deposits | 12,066,000 | 11,792,000 | 12,160,000 | 12,052,000 |
| Equity capital | 14,194,000 | 13,982,000 | 14,593,000 | 14,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,779,000 | 4,217,000 | 5,699,000 |
| Interest expense | 454,000 | 955,000 | 1,528,000 | 2,170,000 |
| Net interest income | 898,000 | 1,824,000 | 2,689,000 | 3,529,000 |
| Noninterest income | 115,000 | 225,000 | 316,000 | 428,000 |
| Noninterest expense | 424,000 | 855,000 | 1,452,000 | 1,853,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 402,000 |
| Pretax income | 574,000 | 1,172,000 | 1,501,000 | 1,724,000 |
| Income tax | 148,000 | 309,000 | 395,000 | 423,000 |
| Net income | 426,000 | 863,000 | 1,106,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,406,000 | 13,522,000 | 14,686,000 | 14,880,000 |
| Total capital | 15,017,000 | 14,185,000 | 15,386,000 | 15,596,000 |
| Risk-weighted assets | 63,912,000 | 63,857,000 | 66,356,000 | 67,178,000 |