Call reports 2010
AMERICAN CHARTERED BANK — 2010
What AMERICAN CHARTERED BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 2,720,685,000 | 2,613,496,000 | 2,569,784,000 | 2,449,214,000 |
| Total loans | 1,814,122,000 | 1,770,298,000 | 1,698,009,000 | 1,646,948,000 |
| Allowance for loan losses | 47,672,000 | 42,673,000 | 40,258,000 | 38,409,000 |
| Securities available for sale | 615,033,000 | 564,638,000 | 614,651,000 | 619,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,340,143,000 | 2,266,112,000 | 2,242,629,000 | 2,075,235,000 |
| Interest-bearing deposits | 2,088,958,000 | 2,010,266,000 | 2,016,054,000 | 1,759,744,000 |
| Noninterest-bearing deposits | 251,186,000 | 255,846,000 | 226,575,000 | 315,491,000 |
| Equity capital | 190,407,000 | 193,440,000 | 194,203,000 | 181,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 30,315,000 | 60,406,000 | 89,044,000 | 116,567,000 |
| Interest expense | 9,732,000 | 19,076,000 | 27,591,000 | 34,933,000 |
| Net interest income | 20,583,000 | 41,330,000 | 61,453,000 | 81,634,000 |
| Noninterest income | 4,006,000 | 7,444,000 | 10,829,000 | 10,803,000 |
| Noninterest expense | 17,307,000 | 34,692,000 | 53,425,000 | 71,882,000 |
| Provision for loan losses | 6,000,000 | 12,000,000 | 19,000,000 | 36,000,000 |
| Pretax income | 6,375,000 | 7,510,000 | 5,933,000 | -6,604,000 |
| Income tax | 2,295,000 | 2,575,000 | 1,908,000 | -2,848,000 |
| Net income | 4,080,000 | 4,935,000 | 4,025,000 | -3,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 181,033,000 | 185,886,000 | 182,640,000 | 165,038,000 |
| Total capital | 208,841,000 | 220,223,000 | 220,308,000 | 203,446,000 |
| Risk-weighted assets | 1,959,337,000 | 1,899,087,000 | 1,850,954,000 | 1,816,305,000 |
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