Call reports 2007
AMERICAN TRUST & SAVINGS BANK — 2007
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,276,000 | 27,289,000 | 27,356,000 | 28,389,000 |
| Total loans | 17,138,000 | 17,294,000 | 17,954,000 | 17,211,000 |
| Allowance for loan losses | 463,000 | 508,000 | 534,000 | 638,000 |
| Securities available for sale | 12,345,000 | 7,693,000 | 8,217,000 | 10,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,658,000 | 19,714,000 | 19,673,000 | 20,784,000 |
| Interest-bearing deposits | 17,999,000 | 14,372,000 | 14,468,000 | 16,034,000 |
| Noninterest-bearing deposits | 5,659,000 | 5,342,000 | 5,205,000 | 4,750,000 |
| Equity capital | 6,827,000 | 6,752,000 | 6,949,000 | 6,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,083,000 | 1,587,000 | 2,010,000 |
| Interest expense | 168,000 | 317,000 | 471,000 | 644,000 |
| Net interest income | 385,000 | 766,000 | 1,116,000 | 1,366,000 |
| Noninterest income | 42,000 | 56,000 | 70,000 | 88,000 |
| Noninterest expense | 280,000 | 548,000 | 673,000 | 948,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 210,000 |
| Pretax income | 136,000 | 221,000 | 370,000 | 243,000 |
| Income tax | 42,000 | 84,000 | 101,000 | 145,000 |
| Net income | 94,000 | 137,000 | 269,000 | 98,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,903,000 | 6,946,000 | 7,078,000 | 6,821,000 |
| Total capital | 7,200,000 | 7,227,000 | 7,367,000 | 7,111,000 |
| Risk-weighted assets | 23,633,000 | 22,240,000 | 22,866,000 | 22,885,000 |
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