Call reports 2016
AMERICAN TRUST & SAVINGS BANK — 2016
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 35,840,000 | 35,476,000 | 34,903,000 | 35,994,000 |
| Total loans | 9,988,000 | 9,557,000 | 9,471,000 | 9,658,000 |
| Allowance for loan losses | 145,000 | 164,000 | 160,000 | 115,000 |
| Securities available for sale | 15,092,000 | 14,849,000 | 14,190,000 | 13,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,531,000 | 28,062,000 | 27,514,000 | 28,851,000 |
| Interest-bearing deposits | 25,731,000 | 25,843,000 | 25,056,000 | 25,887,000 |
| Noninterest-bearing deposits | 2,800,000 | 2,219,000 | 2,458,000 | 2,964,000 |
| Equity capital | 6,551,000 | 6,644,000 | 6,604,000 | 6,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 615,000 | 911,000 | 1,196,000 |
| Interest expense | 47,000 | 93,000 | 139,000 | 185,000 |
| Net interest income | 253,000 | 522,000 | 772,000 | 1,011,000 |
| Noninterest income | 6,000 | 15,000 | 21,000 | 43,000 |
| Noninterest expense | 204,000 | 419,000 | 644,000 | 926,000 |
| Provision for loan losses | 0 | 0 | 0 | -61,000 |
| Pretax income | 55,000 | 118,000 | 149,000 | 189,000 |
| Income tax | 16,000 | 48,000 | 65,000 | 113,000 |
| Net income | 39,000 | 70,000 | 84,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,217,000 | 6,248,000 | 6,262,000 | 6,255,000 |
| Total capital | 6,362,000 | 6,412,000 | 6,422,000 | 6,370,000 |
| Risk-weighted assets | 16,712,000 | 15,316,000 | 15,040,000 | 15,514,000 |