Call reports 2013
AMERICAN TRUST BANK OF EAST TENNESSEE — 2013
What AMERICAN TRUST BANK OF EAST TENNESSEE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 128,807,000 | 129,567,000 | 133,797,000 | 137,480,000 |
| Total loans | 95,494,000 | 98,180,000 | 97,519,000 | 104,622,000 |
| Allowance for loan losses | 4,494,000 | 4,558,000 | 4,833,000 | 4,236,000 |
| Securities available for sale | 21,472,000 | 20,696,000 | 20,728,000 | 18,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,461,000 | 110,644,000 | 115,098,000 | 117,476,000 |
| Interest-bearing deposits | 99,198,000 | 100,145,000 | 103,002,000 | 102,450,000 |
| Noninterest-bearing deposits | 11,263,000 | 10,499,000 | 12,096,000 | 15,026,000 |
| Equity capital | 12,606,000 | 12,552,000 | 12,974,000 | 14,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,812,000 | 4,333,000 | 5,815,000 |
| Interest expense | 179,000 | 357,000 | 538,000 | 718,000 |
| Net interest income | 1,215,000 | 2,455,000 | 3,795,000 | 5,097,000 |
| Noninterest income | 189,000 | 333,000 | 679,000 | 919,000 |
| Noninterest expense | 986,000 | 1,945,000 | 3,016,000 | 4,020,000 |
| Provision for loan losses | 90,000 | 150,000 | 620,000 | 142,000 |
| Pretax income | 346,000 | 711,000 | 856,000 | 1,631,000 |
| Income tax | 132,000 | 271,000 | 0 | -739,000 |
| Net income | 214,000 | 440,000 | 856,000 | 2,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,446,000 | 12,672,000 | 13,088,000 | 14,602,000 |
| Total capital | 13,682,000 | 13,943,000 | 14,337,000 | 15,930,000 |
| Risk-weighted assets | 95,609,000 | 98,346,000 | 96,290,000 | 103,322,000 |