Call reports 2013
AMERICAN TRUST & SAVINGS BANK — 2013
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 37,811,000 | 36,736,000 | 36,317,000 | 35,060,000 |
| Total loans | 7,677,000 | 7,385,000 | 7,000,000 | 6,853,000 |
| Allowance for loan losses | 285,000 | 297,000 | 351,000 | 141,000 |
| Securities available for sale | 19,611,000 | 20,643,000 | 20,507,000 | 20,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,727,000 | 30,044,000 | 29,646,000 | 28,587,000 |
| Interest-bearing deposits | 27,889,000 | 27,437,000 | 27,019,000 | 26,052,000 |
| Noninterest-bearing deposits | 2,838,000 | 2,607,000 | 2,627,000 | 2,535,000 |
| Equity capital | 6,358,000 | 5,958,000 | 5,937,000 | 5,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 308,000 | 619,000 | 954,000 | 1,274,000 |
| Interest expense | 67,000 | 128,000 | 189,000 | 248,000 |
| Net interest income | 241,000 | 491,000 | 765,000 | 1,026,000 |
| Noninterest income | 9,000 | 2,000 | 8,000 | -8,000 |
| Noninterest expense | 188,000 | 363,000 | 554,000 | 808,000 |
| Provision for loan losses | 0 | 0 | 0 | -180,000 |
| Pretax income | 62,000 | 130,000 | 216,000 | 387,000 |
| Income tax | 0 | 0 | 0 | 200,000 |
| Net income | 62,000 | 130,000 | 216,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,073,000 | 4,966,000 | 5,018,000 | 5,088,000 |
| Total capital | 5,358,000 | 5,263,000 | 5,369,000 | 5,229,000 |
| Risk-weighted assets | 29,166,000 | 30,358,000 | 30,519,000 | 29,924,000 |
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