Call reports 2012
AMERICAN CHARTERED BANK — 2012
What AMERICAN CHARTERED BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,340,102,000 | 2,261,826,000 | 2,269,594,000 | 2,358,574,000 |
| Total loans | 1,547,840,000 | 1,561,343,000 | 1,580,599,000 | 1,611,197,000 |
| Allowance for loan losses | 35,584,000 | 34,853,000 | 31,452,000 | 31,740,000 |
| Securities available for sale | 616,122,000 | 519,507,000 | 515,914,000 | 527,670,000 |
| Securities held to maturity | 0 | 0 | 3,008,000 | 17,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,077,208,000 | 1,987,387,000 | 1,991,694,000 | 2,074,730,000 |
| Interest-bearing deposits | 1,842,121,000 | 1,781,137,000 | 1,895,666,000 | 1,989,671,000 |
| Noninterest-bearing deposits | 235,087,000 | 206,250,000 | 96,028,000 | 85,059,000 |
| Equity capital | 186,602,000 | 197,912,000 | 199,727,000 | 200,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 23,377,000 | 46,989,000 | 70,110,000 | 92,149,000 |
| Interest expense | 3,281,000 | 6,247,000 | 8,975,000 | 11,526,000 |
| Net interest income | 20,096,000 | 40,742,000 | 61,135,000 | 80,623,000 |
| Noninterest income | 3,966,000 | 21,302,000 | 24,747,000 | 27,877,000 |
| Noninterest expense | 16,138,000 | 32,172,000 | 47,026,000 | 62,168,000 |
| Provision for loan losses | 5,600,000 | 11,300,000 | 16,700,000 | 21,600,000 |
| Pretax income | 2,324,000 | 18,635,000 | 22,219,000 | 24,795,000 |
| Income tax | 904,000 | 7,567,000 | 9,075,000 | 10,123,000 |
| Net income | 1,405,000 | 11,053,000 | 13,129,000 | 14,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,954,000 | 189,834,000 | 192,220,000 | 194,972,000 |
| Total capital | 210,996,000 | 226,550,000 | 229,064,000 | 232,203,000 |
| Risk-weighted assets | 1,708,521,000 | 1,682,797,000 | 1,696,622,000 | 1,727,695,000 |