Call reports 2019
AMERICAN TRUST & SAVINGS BANK — 2019
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 35,313,000 | 32,703,000 | 32,526,000 | 33,446,000 |
| Total loans | 8,836,000 | 8,818,000 | 8,804,000 | 8,603,000 |
| Allowance for loan losses | 241,000 | 256,000 | 267,000 | 283,000 |
| Securities available for sale | 11,341,000 | 10,545,000 | 9,611,000 | 10,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,185,000 | 25,466,000 | 25,231,000 | 26,222,000 |
| Interest-bearing deposits | 25,996,000 | 23,347,000 | 23,274,000 | 23,850,000 |
| Noninterest-bearing deposits | 2,189,000 | 2,119,000 | 1,957,000 | 2,372,000 |
| Equity capital | 6,308,000 | 6,403,000 | 6,442,000 | 6,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 286,000 | 561,000 | 858,000 | 1,137,000 |
| Interest expense | 39,000 | 77,000 | 117,000 | 157,000 |
| Net interest income | 247,000 | 484,000 | 741,000 | 980,000 |
| Noninterest income | 16,000 | 23,000 | 30,000 | 40,000 |
| Noninterest expense | 211,000 | 421,000 | 649,000 | 909,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 86,000 | 122,000 | 111,000 |
| Income tax | 11,000 | 22,000 | 33,000 | -15,000 |
| Net income | 41,000 | 64,000 | 89,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,322,000 | 6,345,000 | 6,369,000 | 6,333,000 |
| Total capital | 6,487,000 | 6,503,000 | 6,528,000 | 6,490,000 |
| Risk-weighted assets | 13,131,000 | 12,601,000 | 12,619,000 | 12,490,000 |