Call reports 2012
AMERICAN TRUST & SAVINGS BANK — 2012
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 33,397,000 | 33,674,000 | 33,435,000 | 33,208,000 |
| Total loans | 9,668,000 | 9,298,000 | 8,182,000 | 7,937,000 |
| Allowance for loan losses | 272,000 | 273,000 | 308,000 | 200,000 |
| Securities available for sale | 19,554,000 | 19,169,000 | 20,096,000 | 19,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,866,000 | 26,938,000 | 26,470,000 | 26,204,000 |
| Interest-bearing deposits | 24,570,000 | 24,239,000 | 24,169,000 | 23,777,000 |
| Noninterest-bearing deposits | 2,296,000 | 2,699,000 | 2,301,000 | 2,427,000 |
| Equity capital | 5,803,000 | 6,002,000 | 6,153,000 | 6,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 315,000 | 651,000 | 975,000 | 1,306,000 |
| Interest expense | 71,000 | 143,000 | 214,000 | 284,000 |
| Net interest income | 244,000 | 508,000 | 761,000 | 1,022,000 |
| Noninterest income | 10,000 | 19,000 | -6,000 | -1,000 |
| Noninterest expense | 172,000 | 344,000 | 541,000 | 798,000 |
| Provision for loan losses | 0 | 0 | 0 | -125,000 |
| Pretax income | 82,000 | 183,000 | 214,000 | 380,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 183,000 | 214,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,676,000 | 4,814,000 | 4,945,000 | 5,108,000 |
| Total capital | 4,948,000 | 5,087,000 | 5,253,000 | 5,308,000 |
| Risk-weighted assets | 26,748,000 | 27,847,000 | 27,738,000 | 27,693,000 |