Call reports 2008
AMERICAN TRUST BANK OF EAST TENNESSEE — 2008
What AMERICAN TRUST BANK OF EAST TENNESSEE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,845,000 | 140,095,000 | 137,659,000 | 141,267,000 |
| Total loans | 95,472,000 | 108,680,000 | 113,277,000 | 112,609,000 |
| Allowance for loan losses | 1,193,000 | 1,360,000 | 1,536,000 | 1,689,000 |
| Securities available for sale | 7,503,000 | 12,925,000 | 16,309,000 | 18,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,542,000 | 112,218,000 | 110,849,000 | 113,139,000 |
| Interest-bearing deposits | 79,366,000 | 104,606,000 | 104,516,000 | 105,563,000 |
| Noninterest-bearing deposits | 8,176,000 | 7,612,000 | 6,333,000 | 7,576,000 |
| Equity capital | 14,924,000 | 14,755,000 | 13,958,000 | 13,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,852,000 | 3,705,000 | 5,776,000 | 7,757,000 |
| Interest expense | 901,000 | 1,772,000 | 2,742,000 | 3,702,000 |
| Net interest income | 951,000 | 1,933,000 | 3,034,000 | 4,055,000 |
| Noninterest income | 58,000 | 131,000 | 200,000 | 247,000 |
| Noninterest expense | 873,000 | 1,778,000 | 2,675,000 | 3,873,000 |
| Provision for loan losses | 36,000 | 203,000 | 1,456,000 | 1,884,000 |
| Pretax income | 105,000 | 88,000 | -839,000 | -1,337,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 0 |
| Net income | 90,000 | 58,000 | -884,000 | -1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,791,000 | 14,761,000 | 13,831,000 | 13,381,000 |
| Total capital | 15,984,000 | 16,121,000 | 15,248,000 | 14,801,000 |
| Risk-weighted assets | 97,158,000 | 112,389,000 | 113,268,000 | 113,346,000 |
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