Call reports 2007
AMERICAN TRUST BANK OF EAST TENNESSEE — 2007
What AMERICAN TRUST BANK OF EAST TENNESSEE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 88,664,000 | 102,038,000 | 102,887,000 | 108,789,000 |
| Total loans | 74,815,000 | 80,683,000 | 90,254,000 | 94,056,000 |
| Allowance for loan losses | 942,000 | 1,011,000 | 1,029,000 | 1,178,000 |
| Securities available for sale | 5,356,000 | 7,835,000 | 9,092,000 | 8,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,875,000 | 82,195,000 | 78,792,000 | 86,955,000 |
| Interest-bearing deposits | 60,736,000 | 74,305,000 | 72,692,000 | 77,954,000 |
| Noninterest-bearing deposits | 7,139,000 | 7,890,000 | 6,100,000 | 9,001,000 |
| Equity capital | 14,110,000 | 14,149,000 | 14,486,000 | 14,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,691,000 | 3,527,000 | 5,456,000 | 7,489,000 |
| Interest expense | 723,000 | 1,571,000 | 2,508,000 | 3,486,000 |
| Net interest income | 968,000 | 1,956,000 | 2,948,000 | 4,003,000 |
| Noninterest income | 88,000 | 180,000 | 254,000 | 303,000 |
| Noninterest expense | 757,000 | 1,604,000 | 2,472,000 | 3,405,000 |
| Provision for loan losses | 21,000 | 91,000 | 109,000 | 258,000 |
| Pretax income | 278,000 | 441,000 | 621,000 | 641,000 |
| Income tax | 0 | 0 | 0 | -212,000 |
| Net income | 278,000 | 441,000 | 621,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,099,000 | 14,266,000 | 14,463,000 | 14,699,000 |
| Total capital | 15,017,000 | 15,257,000 | 15,492,000 | 15,877,000 |
| Risk-weighted assets | 73,438,000 | 79,231,000 | 89,936,000 | 95,371,000 |
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