Call reports 2015
AMERICAN TRUST BANK OF EAST TENNESSEE — 2015
What AMERICAN TRUST BANK OF EAST TENNESSEE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 136,939,000 | 134,134,000 | 137,611,000 | 137,669,000 |
| Total loans | 106,269,000 | 103,615,000 | 99,562,000 | 102,268,000 |
| Allowance for loan losses | 1,213,000 | 1,153,000 | 1,044,000 | 1,154,000 |
| Securities available for sale | 11,441,000 | 13,495,000 | 16,018,000 | 15,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,319,000 | 113,546,000 | 116,252,000 | 115,061,000 |
| Interest-bearing deposits | 97,765,000 | 96,351,000 | 98,760,000 | 97,028,000 |
| Noninterest-bearing deposits | 17,554,000 | 17,195,000 | 17,492,000 | 18,033,000 |
| Equity capital | 16,818,000 | 16,573,000 | 16,930,000 | 17,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,105,000 | 4,636,000 | 6,119,000 |
| Interest expense | 165,000 | 332,000 | 502,000 | 678,000 |
| Net interest income | 1,383,000 | 2,773,000 | 4,134,000 | 5,441,000 |
| Noninterest income | 108,000 | 233,000 | 372,000 | 539,000 |
| Noninterest expense | 1,044,000 | 2,073,000 | 3,123,000 | 4,374,000 |
| Provision for loan losses | 70,000 | 100,000 | 145,000 | 190,000 |
| Pretax income | 377,000 | 833,000 | 1,238,000 | 1,416,000 |
| Income tax | 131,000 | 285,000 | 413,000 | 456,000 |
| Net income | 246,000 | 548,000 | 825,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,639,000 | 16,555,000 | 16,833,000 | 16,968,000 |
| Total capital | 17,866,000 | 17,722,000 | 17,893,000 | 18,138,000 |
| Risk-weighted assets | 109,762,000 | 95,704,000 | 101,547,000 | 108,102,000 |