Call reports 2004
AMERICAN TRUST & SAVINGS BANK — 2004
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 618,093,000 | 612,159,000 | 617,178,000 | 634,724,000 |
| Total loans | 453,819,000 | 451,038,000 | 458,541,000 | 481,322,000 |
| Allowance for loan losses | 5,801,000 | 5,939,000 | 6,036,000 | 6,100,000 |
| Securities available for sale | 100,614,000 | 92,063,000 | 89,446,000 | 84,803,000 |
| Securities held to maturity | 412,000 | 412,000 | 412,000 | 412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,378,000 | 475,989,000 | 467,126,000 | 500,004,000 |
| Interest-bearing deposits | 389,507,000 | 396,324,000 | 385,485,000 | 413,175,000 |
| Noninterest-bearing deposits | 80,871,000 | 79,665,000 | 81,641,000 | 86,829,000 |
| Equity capital | 50,988,000 | 49,864,000 | 51,214,000 | 51,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,743,000 | 13,545,000 | 20,523,000 | 28,022,000 |
| Interest expense | 2,341,000 | 4,612,000 | 6,835,000 | 9,193,000 |
| Net interest income | 4,402,000 | 8,933,000 | 13,688,000 | 18,829,000 |
| Noninterest income | 2,315,000 | 4,703,000 | 7,083,000 | 9,754,000 |
| Noninterest expense | 4,737,000 | 9,397,000 | 14,101,000 | 19,622,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 620,000 |
| Pretax income | 1,875,000 | 4,029,000 | 6,355,000 | 8,295,000 |
| Income tax | 94,000 | 201,000 | 317,000 | 415,000 |
| Net income | 1,781,000 | 3,828,000 | 6,038,000 | 7,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,279,000 | 49,826,000 | 50,536,000 | 50,878,000 |
| Total capital | 55,080,000 | 55,765,000 | 56,572,000 | 56,978,000 |
| Risk-weighted assets | 523,124,000 | 514,023,000 | 519,160,000 | 542,805,000 |