Call reports 2009
AMERICAN TRUST BANK OF EAST TENNESSEE — 2009
What AMERICAN TRUST BANK OF EAST TENNESSEE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 156,140,000 | 153,443,000 | 134,677,000 | 128,604,000 |
| Total loans | 108,987,000 | 104,001,000 | 99,034,000 | 87,663,000 |
| Allowance for loan losses | 1,816,000 | 2,087,000 | 2,268,000 | 2,570,000 |
| Securities available for sale | 23,840,000 | 19,654,000 | 22,250,000 | 25,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,225,000 | 119,833,000 | 102,300,000 | 97,949,000 |
| Interest-bearing deposits | 112,173,000 | 113,403,000 | 96,577,000 | 92,183,000 |
| Noninterest-bearing deposits | 7,052,000 | 6,430,000 | 5,723,000 | 5,766,000 |
| Equity capital | 13,757,000 | 13,612,000 | 13,802,000 | 13,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,910,000 | 3,702,000 | 5,470,000 | 7,114,000 |
| Interest expense | 956,000 | 1,942,000 | 2,679,000 | 3,301,000 |
| Net interest income | 954,000 | 1,760,000 | 2,791,000 | 3,813,000 |
| Noninterest income | 104,000 | 200,000 | 299,000 | 418,000 |
| Noninterest expense | 757,000 | 1,469,000 | 2,295,000 | 3,178,000 |
| Provision for loan losses | 216,000 | 491,000 | 691,000 | 1,599,000 |
| Pretax income | 187,000 | 322,000 | 426,000 | -224,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 322,000 | 426,000 | -224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,569,000 | 13,679,000 | 13,783,000 | 12,967,000 |
| Total capital | 14,960,000 | 15,005,000 | 15,021,000 | 14,103,000 |
| Risk-weighted assets | 110,820,000 | 105,313,000 | 98,007,000 | 89,431,000 |
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