Call reports 2003
AMERICAN TRUST & SAVINGS BANK — 2003
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 605,781,000 | 629,063,000 | 625,037,000 | 644,438,000 |
| Total loans | 441,241,000 | 430,627,000 | 428,563,000 | 436,346,000 |
| Allowance for loan losses | 5,734,000 | 5,841,000 | 5,795,000 | 5,679,000 |
| Securities available for sale | 85,276,000 | 123,316,000 | 124,895,000 | 131,609,000 |
| Securities held to maturity | 412,000 | 412,000 | 412,000 | 412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,692,000 | 491,208,000 | 471,837,000 | 477,250,000 |
| Interest-bearing deposits | 399,047,000 | 410,217,000 | 394,048,000 | 395,460,000 |
| Noninterest-bearing deposits | 76,645,000 | 80,991,000 | 77,789,000 | 81,790,000 |
| Equity capital | 49,058,000 | 50,163,000 | 50,739,000 | 50,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,183,000 | 14,251,000 | 21,130,000 | 27,915,000 |
| Interest expense | 2,669,000 | 5,253,000 | 7,767,000 | 10,292,000 |
| Net interest income | 4,514,000 | 8,998,000 | 13,363,000 | 17,623,000 |
| Noninterest income | 2,606,000 | 5,262,000 | 8,275,000 | 11,183,000 |
| Noninterest expense | 4,351,000 | 8,774,000 | 13,380,000 | 18,851,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 620,000 |
| Pretax income | 2,664,000 | 5,276,000 | 7,943,000 | 9,335,000 |
| Income tax | 133,000 | 264,000 | 397,000 | 452,000 |
| Net income | 2,531,000 | 5,012,000 | 7,546,000 | 8,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,146,000 | 48,127,000 | 49,161,000 | 48,998,000 |
| Total capital | 52,880,000 | 53,968,000 | 54,956,000 | 54,677,000 |
| Risk-weighted assets | 500,604,000 | 492,497,000 | 495,565,000 | 505,194,000 |