Call reports 2015
AMERICAN CHARTERED BANK — 2015
What AMERICAN CHARTERED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,722,433,000 | 2,793,040,000 | 2,803,047,000 | 2,823,009,000 |
| Total loans | 1,910,819,000 | 1,979,437,000 | 2,004,729,000 | 2,036,543,000 |
| Allowance for loan losses | 30,204,000 | 29,960,000 | 28,400,000 | 26,457,000 |
| Securities available for sale | 199,931,000 | 234,788,000 | 254,473,000 | 251,305,000 |
| Securities held to maturity | 292,733,000 | 287,620,000 | 279,880,000 | 273,319,000 |
| Trading assets | 1,350,000 | 1,034,000 | 2,668,000 | 2,297,000 |
| Total deposits | 2,167,635,000 | 2,218,313,000 | 2,244,475,000 | 2,337,514,000 |
| Interest-bearing deposits | 1,074,463,000 | 1,066,087,000 | 1,110,175,000 | 1,116,933,000 |
| Noninterest-bearing deposits | 1,093,172,000 | 1,152,226,000 | 1,134,300,000 | 1,220,581,000 |
| Equity capital | 223,133,000 | 231,417,000 | 240,418,000 | 234,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 23,643,000 | 47,583,000 | 72,966,000 | 97,685,000 |
| Interest expense | 774,000 | 1,578,000 | 2,421,000 | 3,258,000 |
| Net interest income | 22,869,000 | 46,005,000 | 70,545,000 | 94,427,000 |
| Noninterest income | 4,812,000 | 10,101,000 | 15,599,000 | 20,485,000 |
| Noninterest expense | 14,474,000 | 28,941,000 | 43,783,000 | 58,745,000 |
| Provision for loan losses | 1,800,000 | 1,400,000 | 0 | 0 |
| Pretax income | 11,818,000 | 26,176,000 | 42,772,000 | 56,578,000 |
| Income tax | 4,595,000 | 10,215,000 | 16,726,000 | 22,076,000 |
| Net income | 7,223,000 | 15,961,000 | 26,046,000 | 34,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 227,158,000 | 236,262,000 | 244,670,000 | 239,438,000 |
| Total capital | 252,961,000 | 262,786,000 | 271,636,000 | 265,896,000 |
| Risk-weighted assets | 2,059,837,000 | 2,118,519,000 | 2,155,862,000 | 2,187,186,000 |