Call reports 2015
AMERICAN TRUST & SAVINGS BANK — 2015
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,029,000 | 36,410,000 | 35,480,000 | 35,438,000 |
| Total loans | 9,669,000 | 8,524,000 | 8,756,000 | 9,346,000 |
| Allowance for loan losses | 160,000 | 177,000 | 192,000 | 130,000 |
| Securities available for sale | 18,169,000 | 17,262,000 | 16,673,000 | 16,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,826,000 | 29,302,000 | 28,248,000 | 28,287,000 |
| Interest-bearing deposits | 27,893,000 | 27,043,000 | 25,913,000 | 25,566,000 |
| Noninterest-bearing deposits | 2,933,000 | 2,259,000 | 2,335,000 | 2,721,000 |
| Equity capital | 6,467,000 | 6,360,000 | 6,487,000 | 6,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 314,000 | 653,000 | 944,000 | 1,241,000 |
| Interest expense | 48,000 | 97,000 | 145,000 | 193,000 |
| Net interest income | 266,000 | 556,000 | 799,000 | 1,048,000 |
| Noninterest income | 20,000 | 51,000 | 72,000 | 71,000 |
| Noninterest expense | 188,000 | 380,000 | 595,000 | 862,000 |
| Provision for loan losses | 0 | 0 | 0 | -55,000 |
| Pretax income | 98,000 | 227,000 | 276,000 | 312,000 |
| Income tax | 16,000 | 33,000 | 49,000 | 66,000 |
| Net income | 82,000 | 194,000 | 227,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,765,000 | 6,126,000 | 6,159,000 | 6,178,000 |
| Total capital | 5,925,000 | 6,303,000 | 6,351,000 | 6,308,000 |
| Risk-weighted assets | 16,267,000 | 15,367,000 | 15,460,000 | 16,097,000 |