Call reports 2007
AMERICAN TRUST & SAVINGS BANK — 2007
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 799,023,000 | 818,747,000 | 836,107,000 | 827,355,000 |
| Total loans | 639,026,000 | 644,040,000 | 647,628,000 | 658,080,000 |
| Allowance for loan losses | 6,364,000 | 6,632,000 | 6,703,000 | 7,063,000 |
| Securities available for sale | 88,752,000 | 97,266,000 | 98,201,000 | 101,957,000 |
| Securities held to maturity | 301,000 | 301,000 | 301,000 | 301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 634,747,000 | 648,522,000 | 677,395,000 | 655,032,000 |
| Interest-bearing deposits | 569,323,000 | 581,239,000 | 587,440,000 | 572,447,000 |
| Noninterest-bearing deposits | 65,424,000 | 67,283,000 | 89,955,000 | 82,585,000 |
| Equity capital | 65,592,000 | 67,687,000 | 69,281,000 | 70,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,763,000 | 26,197,000 | 39,758,000 | 52,818,000 |
| Interest expense | 6,290,000 | 12,903,000 | 19,716,000 | 26,098,000 |
| Net interest income | 6,473,000 | 13,294,000 | 20,042,000 | 26,720,000 |
| Noninterest income | 2,668,000 | 5,545,000 | 8,353,000 | 11,468,000 |
| Noninterest expense | 6,305,000 | 12,899,000 | 19,678,000 | 26,872,000 |
| Provision for loan losses | 200,000 | 405,000 | 495,000 | 885,000 |
| Pretax income | 2,636,000 | 5,535,000 | 8,222,000 | 10,431,000 |
| Income tax | 132,000 | 277,000 | 411,000 | 281,000 |
| Net income | 2,504,000 | 5,258,000 | 7,811,000 | 10,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,659,000 | 68,415,000 | 68,970,000 | 69,307,000 |
| Total capital | 72,023,000 | 75,047,000 | 75,673,000 | 76,370,000 |
| Risk-weighted assets | 701,800,000 | 705,519,000 | 714,966,000 | 722,625,000 |