Call reports 2005
AMERICAN TRUST & SAVINGS BANK — 2005
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 636,027,000 | 659,916,000 | 682,629,000 | 713,720,000 |
| Total loans | 504,159,000 | 526,274,000 | 543,756,000 | 561,810,000 |
| Allowance for loan losses | 6,213,000 | 6,311,000 | 6,401,000 | 6,472,000 |
| Securities available for sale | 78,526,000 | 75,511,000 | 71,895,000 | 80,544,000 |
| Securities held to maturity | 412,000 | 412,000 | 411,000 | 411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,175,000 | 538,618,000 | 542,280,000 | 570,883,000 |
| Interest-bearing deposits | 430,642,000 | 457,201,000 | 460,550,000 | 484,901,000 |
| Noninterest-bearing deposits | 78,533,000 | 81,417,000 | 81,730,000 | 85,982,000 |
| Equity capital | 52,519,000 | 55,683,000 | 56,520,000 | 56,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,897,000 | 16,630,000 | 25,874,000 | 36,005,000 |
| Interest expense | 2,638,000 | 5,875,000 | 9,411,000 | 13,515,000 |
| Net interest income | 5,259,000 | 10,755,000 | 16,463,000 | 22,490,000 |
| Noninterest income | 2,531,000 | 5,142,000 | 7,587,000 | 10,334,000 |
| Noninterest expense | 5,276,000 | 10,460,000 | 15,717,000 | 21,817,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 2,409,000 | 5,227,000 | 8,018,000 | 10,532,000 |
| Income tax | 120,000 | 257,000 | 397,000 | 523,000 |
| Net income | 2,289,000 | 4,970,000 | 7,621,000 | 10,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,168,000 | 55,849,000 | 57,099,000 | 57,348,000 |
| Total capital | 59,381,000 | 62,160,000 | 63,500,000 | 63,820,000 |
| Risk-weighted assets | 560,954,000 | 585,004,000 | 604,878,000 | 621,306,000 |
Machine access — free, no API key
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