Call reports 2011
AMERICAN PERSPECTIVE BANK — 2011
What AMERICAN PERSPECTIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 240,762,000 | 243,901,000 | 255,272,000 | 259,163,000 |
| Total loans | 171,494,000 | 176,675,000 | 179,956,000 | 184,573,000 |
| Allowance for loan losses | 2,500,000 | 2,668,000 | 3,033,000 | 3,292,000 |
| Securities available for sale | 58,769,000 | 55,715,000 | 65,904,000 | 64,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,104,000 | 196,507,000 | 207,842,000 | 210,380,000 |
| Interest-bearing deposits | 165,338,000 | 167,290,000 | 174,251,000 | 174,607,000 |
| Noninterest-bearing deposits | 28,766,000 | 29,217,000 | 33,591,000 | 35,773,000 |
| Equity capital | 40,442,000 | 41,099,000 | 41,567,000 | 43,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,475,000 | 8,384,000 | 11,389,000 |
| Interest expense | 501,000 | 997,000 | 1,469,000 | 1,902,000 |
| Net interest income | 2,140,000 | 4,478,000 | 6,915,000 | 9,487,000 |
| Noninterest income | 37,000 | -46,000 | -319,000 | -274,000 |
| Noninterest expense | 1,645,000 | 3,286,000 | 4,748,000 | 6,302,000 |
| Provision for loan losses | 56,000 | 224,000 | 589,000 | 848,000 |
| Pretax income | 476,000 | 922,000 | 1,325,000 | 2,129,000 |
| Income tax | 2,000 | 2,000 | 2,000 | -674,000 |
| Net income | 474,000 | 920,000 | 1,323,000 | 2,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,133,000 | 40,698,000 | 41,217,000 | 42,815,000 |
| Total capital | 42,385,000 | 43,032,000 | 43,620,000 | 45,275,000 |
| Risk-weighted assets | 179,874,000 | 186,358,000 | 191,535,000 | 195,946,000 |