Call reports 2014
AMERICAN TRUST BANK OF EAST TENNESSEE — 2014
What AMERICAN TRUST BANK OF EAST TENNESSEE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 136,742,000 | 134,502,000 | 138,958,000 | 135,457,000 |
| Total loans | 103,167,000 | 105,406,000 | 106,553,000 | 105,037,000 |
| Allowance for loan losses | 4,236,000 | 1,156,000 | 1,137,000 | 1,136,000 |
| Securities available for sale | 18,125,000 | 13,048,000 | 12,076,000 | 11,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,149,000 | 114,087,000 | 113,956,000 | 114,338,000 |
| Interest-bearing deposits | 100,852,000 | 98,364,000 | 98,653,000 | 98,397,000 |
| Noninterest-bearing deposits | 15,297,000 | 15,723,000 | 15,303,000 | 15,941,000 |
| Equity capital | 14,923,000 | 16,186,000 | 16,540,000 | 16,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,475,000 | 3,031,000 | 4,633,000 | 6,159,000 |
| Interest expense | 169,000 | 337,000 | 504,000 | 671,000 |
| Net interest income | 1,306,000 | 2,694,000 | 4,129,000 | 5,488,000 |
| Noninterest income | 149,000 | 299,000 | 417,000 | 523,000 |
| Noninterest expense | 1,021,000 | 2,038,000 | 3,074,000 | 4,285,000 |
| Provision for loan losses | 0 | -1,350,000 | -1,350,000 | -1,350,000 |
| Pretax income | 434,000 | 2,255,000 | 2,772,000 | 3,026,000 |
| Income tax | 157,000 | 782,000 | 958,000 | 1,112,000 |
| Net income | 277,000 | 1,473,000 | 1,814,000 | 1,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,879,000 | 16,075,000 | 16,416,000 | 16,393,000 |
| Total capital | 16,185,000 | 17,269,000 | 17,567,000 | 17,542,000 |
| Risk-weighted assets | 101,546,000 | 105,083,000 | 102,803,000 | 99,827,000 |