Call reports 2013
AMERICAN CHARTERED BANK — 2013
What AMERICAN CHARTERED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,376,351,000 | 2,400,435,000 | 2,453,837,000 | 2,443,765,000 |
| Total loans | 1,639,833,000 | 1,669,205,000 | 1,737,009,000 | 1,760,267,000 |
| Allowance for loan losses | 33,251,000 | 33,675,000 | 30,498,000 | 28,110,000 |
| Securities available for sale | 538,177,000 | 487,852,000 | 459,872,000 | 188,696,000 |
| Securities held to maturity | 20,242,000 | 20,205,000 | 20,168,000 | 301,344,000 |
| Trading assets | 0 | 0 | 187,000 | 2,117,000 |
| Total deposits | 2,018,831,000 | 2,035,367,000 | 2,085,597,000 | 2,134,331,000 |
| Interest-bearing deposits | 1,908,808,000 | 1,921,682,000 | 2,023,071,000 | 2,057,974,000 |
| Noninterest-bearing deposits | 110,023,000 | 113,685,000 | 62,526,000 | 76,357,000 |
| Equity capital | 202,528,000 | 202,508,000 | 201,207,000 | 203,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 21,397,000 | 42,743,000 | 64,362,000 | 86,837,000 |
| Interest expense | 2,297,000 | 4,249,000 | 6,089,000 | 7,649,000 |
| Net interest income | 19,100,000 | 38,494,000 | 58,273,000 | 79,188,000 |
| Noninterest income | 3,568,000 | 7,412,000 | 10,962,000 | 12,008,000 |
| Noninterest expense | 14,492,000 | 29,381,000 | 44,994,000 | 59,723,000 |
| Provision for loan losses | 4,950,000 | 9,350,000 | 13,600,000 | 16,650,000 |
| Pretax income | 3,284,000 | 7,238,000 | 10,704,000 | 14,886,000 |
| Income tax | 1,230,000 | 2,669,000 | 3,916,000 | 5,476,000 |
| Net income | 2,054,000 | 4,569,000 | 6,790,000 | 9,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,877,000 | 201,656,000 | 204,168,000 | 208,750,000 |
| Total capital | 234,863,000 | 239,965,000 | 243,287,000 | 248,078,000 |
| Risk-weighted assets | 1,787,278,000 | 1,813,054,000 | 1,881,819,000 | 1,901,146,000 |
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