Call reports 2009
AMERICAN TRUST & SAVINGS BANK — 2009
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 31,118,000 | 29,798,000 | 29,122,000 | 28,978,000 |
| Total loans | 14,905,000 | 12,928,000 | 12,566,000 | 10,947,000 |
| Allowance for loan losses | 767,000 | 755,000 | 671,000 | 369,000 |
| Securities available for sale | 13,226,000 | 13,114,000 | 13,001,000 | 12,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,666,000 | 23,805,000 | 23,183,000 | 23,007,000 |
| Interest-bearing deposits | 21,740,000 | 22,018,000 | 21,446,000 | 21,143,000 |
| Noninterest-bearing deposits | 1,926,000 | 1,787,000 | 1,737,000 | 1,864,000 |
| Equity capital | 6,802,000 | 5,360,000 | 5,317,000 | 5,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 353,000 | 715,000 | 1,109,000 | 1,361,000 |
| Interest expense | 137,000 | 266,000 | 390,000 | 503,000 |
| Net interest income | 216,000 | 449,000 | 719,000 | 858,000 |
| Noninterest income | 19,000 | -201,000 | -332,000 | -313,000 |
| Noninterest expense | 236,000 | 511,000 | 804,000 | 1,082,000 |
| Provision for loan losses | 0 | 1,250,000 | 1,250,000 | 2,050,000 |
| Pretax income | 2,000 | -1,510,000 | -1,664,000 | -2,584,000 |
| Income tax | 0 | 0 | 0 | -1,027,000 |
| Net income | 2,000 | -1,510,000 | -1,664,000 | -1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,756,000 | 5,244,000 | 5,090,000 | 4,080,000 |
| Total capital | 7,077,000 | 5,546,000 | 5,387,000 | 4,361,000 |
| Risk-weighted assets | 25,238,000 | 23,723,000 | 23,350,000 | 22,352,000 |
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