Call reports 2008
AMERICAN TRUST & SAVINGS BANK — 2008
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,384,000 | 31,599,000 | 30,969,000 | 31,121,000 |
| Total loans | 18,581,000 | 16,924,000 | 16,285,000 | 15,148,000 |
| Allowance for loan losses | 654,000 | 838,000 | 757,000 | 764,000 |
| Securities available for sale | 10,256,000 | 10,886,000 | 11,578,000 | 13,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,646,000 | 23,672,000 | 23,052,000 | 23,260,000 |
| Interest-bearing deposits | 16,291,000 | 21,101,000 | 20,741,000 | 20,973,000 |
| Noninterest-bearing deposits | 6,355,000 | 2,571,000 | 2,311,000 | 2,287,000 |
| Equity capital | 7,016,000 | 7,211,000 | 7,157,000 | 6,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 770,000 | 1,215,000 | 1,597,000 |
| Interest expense | 169,000 | 331,000 | 489,000 | 639,000 |
| Net interest income | 346,000 | 439,000 | 726,000 | 958,000 |
| Noninterest income | 11,000 | 146,000 | 162,000 | 194,000 |
| Noninterest expense | 243,000 | 491,000 | 668,000 | 1,120,000 |
| Provision for loan losses | 0 | 1,146,000 | 1,296,000 | 2,381,000 |
| Pretax income | 114,000 | -1,052,000 | -1,076,000 | -2,348,000 |
| Income tax | 34,000 | -207,000 | -196,000 | -381,000 |
| Net income | 80,000 | -845,000 | -880,000 | -1,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,901,000 | 7,276,000 | 7,240,000 | 6,754,000 |
| Total capital | 7,208,000 | 7,611,000 | 7,555,000 | 7,077,000 |
| Risk-weighted assets | 24,203,000 | 26,291,000 | 24,771,000 | 25,415,000 |
Machine access — free, no API key
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