Call reports 2009
AMERICAN PERSPECTIVE BANK — 2009
What AMERICAN PERSPECTIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 176,308,000 | 175,687,000 | 187,709,000 | 202,968,000 |
| Total loans | 120,780,000 | 130,868,000 | 134,305,000 | 139,923,000 |
| Allowance for loan losses | 1,861,000 | 2,225,000 | 4,718,000 | 2,488,000 |
| Securities available for sale | 45,319,000 | 37,243,000 | 52,221,000 | 56,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,090,000 | 128,042,000 | 143,349,000 | 152,252,000 |
| Interest-bearing deposits | 111,942,000 | 111,411,000 | 126,030,000 | 133,770,000 |
| Noninterest-bearing deposits | 17,148,000 | 16,631,000 | 17,319,000 | 18,482,000 |
| Equity capital | 40,557,000 | 40,845,000 | 38,776,000 | 39,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,123,000 | 4,373,000 | 6,516,000 | 8,842,000 |
| Interest expense | 614,000 | 1,127,000 | 1,672,000 | 2,205,000 |
| Net interest income | 1,509,000 | 3,246,000 | 4,844,000 | 6,637,000 |
| Noninterest income | 16,000 | 33,000 | 60,000 | 91,000 |
| Noninterest expense | 1,106,000 | 2,440,000 | 3,694,000 | 5,024,000 |
| Provision for loan losses | 215,000 | 579,000 | 3,159,000 | 3,458,000 |
| Pretax income | 204,000 | 260,000 | -1,949,000 | -1,707,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 204,000 | 260,000 | -1,949,000 | -1,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,297,000 | 40,467,000 | 38,375,000 | 38,714,000 |
| Total capital | 41,931,000 | 42,194,000 | 40,187,000 | 40,606,000 |
| Risk-weighted assets | 130,431,000 | 137,620,000 | 141,966,000 | 150,705,000 |