Call reports 2011
AMERICAN CHARTERED BANK — 2011
What AMERICAN CHARTERED BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 2,318,655,000 | 2,348,350,000 | 2,357,374,000 | 2,326,510,000 |
| Total loans | 1,615,489,000 | 1,591,890,000 | 1,574,443,000 | 1,562,658,000 |
| Allowance for loan losses | 39,782,000 | 42,431,000 | 36,921,000 | 34,012,000 |
| Securities available for sale | 459,377,000 | 472,226,000 | 465,254,000 | 512,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,022,796,000 | 2,056,902,000 | 2,084,721,000 | 2,068,053,000 |
| Interest-bearing deposits | 1,749,144,000 | 1,744,554,000 | 1,805,325,000 | 1,797,435,000 |
| Noninterest-bearing deposits | 273,652,000 | 312,348,000 | 279,396,000 | 270,619,000 |
| Equity capital | 181,782,000 | 185,755,000 | 190,386,000 | 185,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 25,820,000 | 50,836,000 | 75,428,000 | 99,493,000 |
| Interest expense | 6,349,000 | 11,404,000 | 15,949,000 | 19,560,000 |
| Net interest income | 19,471,000 | 39,432,000 | 59,479,000 | 79,933,000 |
| Noninterest income | 3,276,000 | 6,403,000 | 8,408,000 | 6,814,000 |
| Noninterest expense | 16,443,000 | 32,676,000 | 49,344,000 | 69,165,000 |
| Provision for loan losses | 4,500,000 | 12,750,000 | 18,500,000 | 25,750,000 |
| Pretax income | 3,259,000 | 2,204,000 | 2,685,000 | -5,508,000 |
| Income tax | 1,264,000 | 146,000 | 293,000 | -3,042,000 |
| Net income | 2,007,000 | 2,048,000 | 2,385,000 | -2,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,201,000 | 172,271,000 | 179,116,000 | 169,280,000 |
| Total capital | 210,325,000 | 210,179,000 | 216,725,000 | 206,579,000 |
| Risk-weighted assets | 1,791,973,000 | 1,771,792,000 | 1,753,070,000 | 1,730,890,000 |
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