Call reports 2010
AMERICAN PERSPECTIVE BANK — 2010
What AMERICAN PERSPECTIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 204,052,000 | 212,286,000 | 217,898,000 | 228,884,000 |
| Total loans | 138,953,000 | 150,750,000 | 150,057,000 | 166,924,000 |
| Allowance for loan losses | 2,115,000 | 2,246,000 | 2,167,000 | 2,444,000 |
| Securities available for sale | 52,725,000 | 52,547,000 | 54,596,000 | 52,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,728,000 | 163,754,000 | 171,763,000 | 175,997,000 |
| Interest-bearing deposits | 148,211,000 | 149,425,000 | 152,794,000 | 152,861,000 |
| Noninterest-bearing deposits | 14,517,000 | 14,329,000 | 18,969,000 | 23,136,000 |
| Equity capital | 39,513,000 | 39,794,000 | 39,738,000 | 39,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,303,000 | 4,720,000 | 7,111,000 | 9,686,000 |
| Interest expense | 511,000 | 1,069,000 | 1,633,000 | 2,151,000 |
| Net interest income | 1,792,000 | 3,651,000 | 5,478,000 | 7,535,000 |
| Noninterest income | 470,000 | 703,000 | 597,000 | 338,000 |
| Noninterest expense | 1,853,000 | 3,557,000 | 5,196,000 | 6,705,000 |
| Provision for loan losses | 262,000 | 595,000 | 981,000 | 1,258,000 |
| Pretax income | 147,000 | 290,000 | 315,000 | 480,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 147,000 | 289,000 | 313,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,991,000 | 39,212,000 | 39,326,000 | 39,589,000 |
| Total capital | 40,872,000 | 41,235,000 | 41,375,000 | 41,784,000 |
| Risk-weighted assets | 150,223,000 | 161,616,000 | 163,764,000 | 175,315,000 |