Call reports 2014
AMERICAN TRUST & SAVINGS BANK — 2014
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 35,796,000 | 35,650,000 | 39,322,000 | 38,930,000 |
| Total loans | 7,838,000 | 7,554,000 | 7,467,000 | 9,169,000 |
| Allowance for loan losses | 191,000 | 242,000 | 259,000 | 144,000 |
| Securities available for sale | 20,194,000 | 19,637,000 | 19,653,000 | 18,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,043,000 | 28,634,000 | 32,268,000 | 31,909,000 |
| Interest-bearing deposits | 26,681,000 | 25,999,000 | 29,643,000 | 29,169,000 |
| Noninterest-bearing deposits | 2,362,000 | 2,635,000 | 2,625,000 | 2,740,000 |
| Equity capital | 6,019,000 | 6,272,000 | 6,315,000 | 6,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 323,000 | 628,000 | 930,000 | 1,246,000 |
| Interest expense | 56,000 | 112,000 | 165,000 | 217,000 |
| Net interest income | 267,000 | 516,000 | 765,000 | 1,029,000 |
| Noninterest income | 6,000 | 14,000 | 21,000 | 244,000 |
| Noninterest expense | 219,000 | 417,000 | 621,000 | 879,000 |
| Provision for loan losses | 0 | 0 | 0 | -130,000 |
| Pretax income | 55,000 | 120,000 | 177,000 | 534,000 |
| Income tax | 0 | 0 | 0 | 300,000 |
| Net income | 55,000 | 120,000 | 177,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,277,000 | 5,457,000 | 5,514,000 | 5,827,000 |
| Total capital | 5,468,000 | 5,699,000 | 5,773,000 | 5,971,000 |
| Risk-weighted assets | 30,756,000 | 30,144,000 | 33,344,000 | 34,180,000 |