Call reports 2009
AMERICAN TRUST & SAVINGS BANK — 2009
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 891,793,000 | 874,843,000 | 874,455,000 | 860,061,000 |
| Total loans | 676,820,000 | 672,351,000 | 659,831,000 | 656,043,000 |
| Allowance for loan losses | 9,429,000 | 10,324,000 | 10,156,000 | 10,561,000 |
| Securities available for sale | 108,242,000 | 93,317,000 | 94,724,000 | 111,288,000 |
| Securities held to maturity | 301,000 | 301,000 | 101,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 722,864,000 | 727,989,000 | 728,994,000 | 711,573,000 |
| Interest-bearing deposits | 634,971,000 | 627,494,000 | 639,374,000 | 611,527,000 |
| Noninterest-bearing deposits | 87,893,000 | 100,495,000 | 89,620,000 | 100,046,000 |
| Equity capital | 74,497,000 | 75,049,000 | 79,794,000 | 80,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,287,000 | 20,408,000 | 30,305,000 | 39,865,000 |
| Interest expense | 4,157,000 | 7,855,000 | 11,088,000 | 14,131,000 |
| Net interest income | 6,130,000 | 12,553,000 | 19,217,000 | 25,734,000 |
| Noninterest income | 4,125,000 | 7,807,000 | 11,273,000 | 14,933,000 |
| Noninterest expense | 7,517,000 | 15,170,000 | 23,040,000 | 29,971,000 |
| Provision for loan losses | 1,599,000 | 2,874,000 | 4,017,000 | 6,115,000 |
| Pretax income | 1,139,000 | 2,316,000 | 3,433,000 | 4,581,000 |
| Income tax | 51,000 | 99,000 | 144,000 | 192,000 |
| Net income | 1,088,000 | 2,217,000 | 3,289,000 | 4,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,409,000 | 72,009,000 | 75,714,000 | 76,804,000 |
| Total capital | 80,671,000 | 81,204,000 | 84,754,000 | 85,865,000 |
| Risk-weighted assets | 740,771,000 | 734,510,000 | 722,123,000 | 723,368,000 |