Call reports 2014
AMERICAN CHARTERED BANK — 2014
What AMERICAN CHARTERED BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,497,330,000 | 2,558,672,000 | 2,551,502,000 | 2,613,494,000 |
| Total loans | 1,766,300,000 | 1,825,516,000 | 1,836,918,000 | 1,900,803,000 |
| Allowance for loan losses | 29,831,000 | 30,097,000 | 27,981,000 | 28,393,000 |
| Securities available for sale | 192,503,000 | 182,853,000 | 190,713,000 | 188,979,000 |
| Securities held to maturity | 305,293,000 | 310,137,000 | 303,204,000 | 299,136,000 |
| Trading assets | 195,000 | 339,000 | 530,000 | 854,000 |
| Total deposits | 2,168,426,000 | 2,137,424,000 | 2,134,271,000 | 2,210,567,000 |
| Interest-bearing deposits | 2,107,774,000 | 2,053,796,000 | 2,068,150,000 | 2,057,082,000 |
| Noninterest-bearing deposits | 60,652,000 | 83,628,000 | 66,121,000 | 153,485,000 |
| Equity capital | 205,318,000 | 208,174,000 | 211,479,000 | 216,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 21,957,000 | 44,599,000 | 67,757,000 | 91,175,000 |
| Interest expense | 1,328,000 | 2,592,000 | 3,769,000 | 4,560,000 |
| Net interest income | 20,629,000 | 42,007,000 | 63,988,000 | 86,615,000 |
| Noninterest income | 4,542,000 | 8,128,000 | 8,784,000 | 13,065,000 |
| Noninterest expense | 15,508,000 | 30,349,000 | 44,746,000 | 59,310,000 |
| Provision for loan losses | 3,900,000 | 7,200,000 | 8,100,000 | 10,050,000 |
| Pretax income | 6,423,000 | 13,468,000 | 20,808,000 | 31,202,000 |
| Income tax | 2,483,000 | 5,244,000 | 8,013,000 | 12,274,000 |
| Net income | 3,941,000 | 8,226,000 | 12,797,000 | 18,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 210,252,000 | 213,334,000 | 216,710,000 | 221,656,000 |
| Total capital | 249,404,000 | 253,172,000 | 241,039,000 | 246,653,000 |
| Risk-weighted assets | 1,885,136,000 | 1,940,505,000 | 1,942,677,000 | 1,996,313,000 |
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