Call reports 2006
AMERICAN TRUST & SAVINGS BANK — 2006
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 705,077,000 | 742,259,000 | 779,453,000 | 813,226,000 |
| Total loans | 566,338,000 | 589,809,000 | 586,260,000 | 617,997,000 |
| Allowance for loan losses | 6,622,000 | 6,835,000 | 6,984,000 | 6,165,000 |
| Securities available for sale | 73,534,000 | 74,509,000 | 126,992,000 | 123,046,000 |
| Securities held to maturity | 411,000 | 411,000 | 301,000 | 301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,084,000 | 580,187,000 | 614,569,000 | 641,463,000 |
| Interest-bearing deposits | 493,846,000 | 501,605,000 | 552,100,000 | 557,841,000 |
| Noninterest-bearing deposits | 68,238,000 | 78,582,000 | 62,469,000 | 83,622,000 |
| Equity capital | 56,529,000 | 59,782,000 | 61,505,000 | 62,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,403,000 | 21,644,000 | 33,836,000 | 46,598,000 |
| Interest expense | 4,506,000 | 9,535,000 | 15,473,000 | 21,805,000 |
| Net interest income | 5,897,000 | 12,109,000 | 18,363,000 | 24,793,000 |
| Noninterest income | 2,489,000 | 5,084,000 | 7,733,000 | 10,560,000 |
| Noninterest expense | 5,760,000 | 11,630,000 | 17,429,000 | 23,476,000 |
| Provision for loan losses | 175,000 | 385,000 | 455,000 | 480,000 |
| Pretax income | 2,451,000 | 5,177,000 | 8,211,000 | 11,396,000 |
| Income tax | 123,000 | 259,000 | 410,000 | 570,000 |
| Net income | 2,328,000 | 4,918,000 | 7,801,000 | 10,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,523,000 | 61,208,000 | 61,884,000 | 63,156,000 |
| Total capital | 64,145,000 | 68,043,000 | 68,868,000 | 69,321,000 |
| Risk-weighted assets | 620,342,000 | 649,184,000 | 653,468,000 | 674,462,000 |