Call reports 2008
AMERICAN TRUST & SAVINGS BANK — 2008
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 854,269,000 | 843,208,000 | 860,175,000 | 890,121,000 |
| Total loans | 676,293,000 | 691,448,000 | 686,538,000 | 696,461,000 |
| Allowance for loan losses | 7,259,000 | 9,901,000 | 7,999,000 | 8,226,000 |
| Securities available for sale | 93,000,000 | 92,630,000 | 102,437,000 | 123,274,000 |
| Securities held to maturity | 301,000 | 301,000 | 301,000 | 301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 664,688,000 | 665,534,000 | 685,372,000 | 708,594,000 |
| Interest-bearing deposits | 592,533,000 | 587,772,000 | 610,141,000 | 628,348,000 |
| Noninterest-bearing deposits | 72,155,000 | 77,762,000 | 75,231,000 | 80,246,000 |
| Equity capital | 73,603,000 | 69,105,000 | 71,273,000 | 74,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,227,000 | 23,089,000 | 34,071,000 | 45,103,000 |
| Interest expense | 5,566,000 | 10,480,000 | 15,182,000 | 19,656,000 |
| Net interest income | 6,661,000 | 12,609,000 | 18,889,000 | 25,447,000 |
| Noninterest income | 3,373,000 | 6,827,000 | 10,091,000 | 14,026,000 |
| Noninterest expense | 7,326,000 | 14,746,000 | 22,146,000 | 28,254,000 |
| Provision for loan losses | 195,000 | 2,832,000 | 2,832,000 | 4,740,000 |
| Pretax income | 2,513,000 | 1,858,000 | 4,002,000 | 6,479,000 |
| Income tax | 101,000 | 74,000 | 162,000 | 261,000 |
| Net income | 2,412,000 | 1,784,000 | 3,840,000 | 6,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,130,000 | 68,147,000 | 69,930,000 | 71,618,000 |
| Total capital | 78,389,000 | 77,618,000 | 77,929,000 | 79,844,000 |
| Risk-weighted assets | 747,018,000 | 757,226,000 | 756,366,000 | 754,136,000 |