Call reports 2005
AMERICAN CHARTERED BANK — 2005
What AMERICAN CHARTERED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,655,462,000 | 1,830,455,000 | 1,967,215,000 | 2,019,923,000 |
| Total loans | 1,216,304,000 | 1,342,096,000 | 1,391,477,000 | 1,422,788,000 |
| Allowance for loan losses | 16,952,000 | 18,255,000 | 19,012,000 | 18,796,000 |
| Securities available for sale | 300,404,000 | 336,109,000 | 367,703,000 | 379,452,000 |
| Securities held to maturity | 50,706,000 | 48,905,000 | 46,161,000 | 44,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,462,898,000 | 1,585,475,000 | 1,725,435,000 | 1,711,657,000 |
| Interest-bearing deposits | 1,111,081,000 | 1,225,468,000 | 1,365,939,000 | 1,331,625,000 |
| Noninterest-bearing deposits | 351,817,000 | 360,007,000 | 359,497,000 | 380,032,000 |
| Equity capital | 123,441,000 | 136,862,000 | 141,748,000 | 145,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 21,834,000 | 46,787,000 | 75,063,000 | 105,884,000 |
| Interest expense | 6,600,000 | 14,998,000 | 26,129,000 | 39,308,000 |
| Net interest income | 15,234,000 | 31,789,000 | 48,934,000 | 66,576,000 |
| Noninterest income | 1,964,000 | 3,975,000 | 6,138,000 | 8,283,000 |
| Noninterest expense | 8,819,000 | 17,969,000 | 27,793,000 | 37,894,000 |
| Provision for loan losses | 1,603,000 | 3,238,000 | 4,953,000 | 6,613,000 |
| Pretax income | 6,776,000 | 14,557,000 | 22,326,000 | 30,352,000 |
| Income tax | 2,372,000 | 5,115,000 | 7,863,000 | 10,696,000 |
| Net income | 4,404,000 | 9,442,000 | 14,463,000 | 19,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,052,000 | 137,590,000 | 143,261,000 | 149,774,000 |
| Total capital | 142,965,000 | 155,845,000 | 162,273,000 | 168,570,000 |
| Risk-weighted assets | 1,353,033,000 | 1,486,635,000 | 1,565,726,000 | 1,602,921,000 |
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