Call reports 2001
AMERICAN TRUST & SAVINGS BANK — 2001
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 529,550,000 | 541,278,000 | 573,102,000 | 581,562,000 |
| Total loans | 375,353,000 | 379,202,000 | 385,324,000 | 401,617,000 |
| Allowance for loan losses | 4,837,000 | 4,953,000 | 5,031,000 | 5,213,000 |
| Securities available for sale | 82,761,000 | 90,624,000 | 109,912,000 | 113,221,000 |
| Securities held to maturity | 413,000 | 413,000 | 413,000 | 413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,966,000 | 408,263,000 | 433,097,000 | 459,043,000 |
| Interest-bearing deposits | 356,733,000 | 354,103,000 | 375,941,000 | 382,682,000 |
| Noninterest-bearing deposits | 55,233,000 | 54,160,000 | 57,156,000 | 76,361,000 |
| Equity capital | 41,965,000 | 42,204,000 | 43,044,000 | 42,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 9,059,000 | 17,904,000 | 26,484,000 | 34,677,000 |
| Interest expense | 5,128,000 | 9,907,000 | 14,536,000 | 18,577,000 |
| Net interest income | 3,931,000 | 7,997,000 | 11,948,000 | 16,100,000 |
| Noninterest income | 1,768,000 | 3,647,000 | 5,490,000 | 7,632,000 |
| Noninterest expense | 3,896,000 | 7,838,000 | 11,801,000 | 15,841,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 695,000 |
| Pretax income | 1,698,000 | 3,596,000 | 5,919,000 | 7,792,000 |
| Income tax | 85,000 | 180,000 | 296,000 | 389,000 |
| Net income | 1,613,000 | 3,416,000 | 5,623,000 | 7,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,032,000 | 40,235,000 | 40,942,000 | 41,122,000 |
| Total capital | 44,869,000 | 45,188,000 | 45,973,000 | 46,335,000 |
| Risk-weighted assets | 421,800,000 | 431,494,000 | 452,252,000 | 463,153,000 |