Call reports 2002
AMERICAN TRUST & SAVINGS BANK — 2002
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 560,556,000 | 561,059,000 | 601,739,000 | 630,906,000 |
| Total loans | 410,903,000 | 422,550,000 | 436,535,000 | 433,367,000 |
| Allowance for loan losses | 5,376,000 | 5,398,000 | 5,480,000 | 5,637,000 |
| Securities available for sale | 100,670,000 | 78,983,000 | 96,222,000 | 113,010,000 |
| Securities held to maturity | 413,000 | 413,000 | 412,000 | 412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,217,000 | 434,133,000 | 465,082,000 | 485,621,000 |
| Interest-bearing deposits | 384,056,000 | 376,442,000 | 391,163,000 | 404,894,000 |
| Noninterest-bearing deposits | 54,161,000 | 57,691,000 | 73,919,000 | 80,727,000 |
| Equity capital | 43,289,000 | 46,827,000 | 47,504,000 | 48,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,447,000 | 15,053,000 | 22,771,000 | 30,382,000 |
| Interest expense | 3,649,000 | 7,132,000 | 10,522,000 | 13,732,000 |
| Net interest income | 3,798,000 | 7,921,000 | 12,249,000 | 16,650,000 |
| Noninterest income | 1,966,000 | 3,899,000 | 5,840,000 | 9,058,000 |
| Noninterest expense | 3,977,000 | 8,101,000 | 12,228,000 | 17,047,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 510,000 |
| Pretax income | 1,682,000 | 3,509,000 | 5,546,000 | 8,151,000 |
| Income tax | 84,000 | 176,000 | 277,000 | 408,000 |
| Net income | 1,598,000 | 3,333,000 | 5,269,000 | 7,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,070,000 | 44,905,000 | 45,241,000 | 46,115,000 |
| Total capital | 47,446,000 | 50,303,000 | 50,721,000 | 51,752,000 |
| Risk-weighted assets | 461,050,000 | 479,946,000 | 490,671,000 | 493,544,000 |