Call reports 2025
AMERICAN TRUST & SAVINGS BANK — 2025
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 33,605,000 | 33,240,000 | 30,365,000 | 30,950,000 |
| Total loans | 5,930,000 | 5,932,000 | 5,599,000 | 6,273,000 |
| Allowance for loan losses | 320,000 | 321,000 | 364,000 | 403,000 |
| Securities available for sale | 19,543,000 | 18,788,000 | 19,052,000 | 19,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,053,000 | 28,592,000 | 25,458,000 | 26,072,000 |
| Interest-bearing deposits | 24,637,000 | 24,241,000 | 21,290,000 | 21,449,000 |
| Noninterest-bearing deposits | 4,416,000 | 4,351,000 | 4,168,000 | 4,623,000 |
| Equity capital | 3,426,000 | 3,539,000 | 3,784,000 | 3,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 258,000 | 518,000 | 752,000 | 977,000 |
| Interest expense | 104,000 | 204,000 | 290,000 | 374,000 |
| Net interest income | 154,000 | 314,000 | 462,000 | 603,000 |
| Noninterest income | 52,000 | 62,000 | 169,000 | 183,000 |
| Noninterest expense | 203,000 | 406,000 | 628,000 | 993,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,000 | -27,000 | 12,000 | -198,000 |
| Income tax | 0 | 0 | 0 | -4,000 |
| Net income | 6,000 | -27,000 | 12,000 | -194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,091,000 | 5,058,000 | 5,097,000 | 4,891,000 |
| Total capital | 5,258,000 | 5,220,000 | 5,248,000 | 5,048,000 |
| Risk-weighted assets | 13,208,000 | 12,846,000 | 11,887,000 | 12,313,000 |