Call reports 2023
AMERICAN TRUST & SAVINGS BANK — 2023
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 34,970,000 | 33,528,000 | 32,176,000 | 32,623,000 |
| Total loans | 6,342,000 | 5,722,000 | 6,385,000 | 6,459,000 |
| Allowance for loan losses | 371,000 | 374,000 | 352,000 | 305,000 |
| Securities available for sale | 19,797,000 | 19,421,000 | 18,698,000 | 19,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,570,000 | 29,246,000 | 26,872,000 | 26,090,000 |
| Interest-bearing deposits | 26,545,000 | 25,246,000 | 23,101,000 | 22,608,000 |
| Noninterest-bearing deposits | 4,025,000 | 4,000,000 | 3,771,000 | 3,482,000 |
| Equity capital | 3,317,000 | 3,297,000 | 2,599,000 | 3,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 239,000 | 489,000 | 687,000 | 920,000 |
| Interest expense | 40,000 | 87,000 | 152,000 | 229,000 |
| Net interest income | 199,000 | 402,000 | 535,000 | 691,000 |
| Noninterest income | 6,000 | 13,000 | 19,000 | 28,000 |
| Noninterest expense | 241,000 | 475,000 | 878,000 | 1,031,000 |
| Provision for loan losses | 0 | 0 | -1,000 | -1,000 |
| Pretax income | -36,000 | -60,000 | -324,000 | -487,000 |
| Income tax | 0 | 0 | 0 | 6,000 |
| Net income | -36,000 | -60,000 | -324,000 | -493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,828,000 | 5,804,000 | 5,539,000 | 5,371,000 |
| Total capital | 5,996,000 | 5,968,000 | 5,713,000 | 5,539,000 |
| Risk-weighted assets | 13,309,000 | 12,930,000 | 13,766,000 | 13,351,000 |