Call reports 2011
AMERICAN TRUST & SAVINGS BANK — 2011
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 820,488,000 | 815,302,000 | 849,188,000 | 860,893,000 |
| Total loans | 656,241,000 | 648,238,000 | 639,620,000 | 645,798,000 |
| Allowance for loan losses | 11,424,000 | 10,751,000 | 12,058,000 | 11,654,000 |
| Securities available for sale | 74,893,000 | 74,248,000 | 76,945,000 | 91,480,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 651,447,000 | 665,690,000 | 700,313,000 | 716,702,000 |
| Interest-bearing deposits | 555,047,000 | 564,393,000 | 591,286,000 | 599,188,000 |
| Noninterest-bearing deposits | 96,400,000 | 101,297,000 | 109,027,000 | 117,514,000 |
| Equity capital | 87,526,000 | 89,247,000 | 95,899,000 | 87,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 9,392,000 | 18,751,000 | 28,282,000 | 37,546,000 |
| Interest expense | 1,706,000 | 3,427,000 | 5,119,000 | 6,742,000 |
| Net interest income | 7,686,000 | 15,324,000 | 23,163,000 | 30,804,000 |
| Noninterest income | 3,869,000 | 7,916,000 | 11,933,000 | 16,117,000 |
| Noninterest expense | 8,205,000 | 16,287,000 | 24,475,000 | 32,843,000 |
| Provision for loan losses | 1,080,000 | 2,160,000 | 3,240,000 | 4,320,000 |
| Pretax income | 2,270,000 | 4,793,000 | 7,381,000 | 9,758,000 |
| Income tax | 93,000 | 584,000 | -3,417,000 | -2,772,000 |
| Net income | 2,177,000 | 4,209,000 | 10,798,000 | 12,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,337,000 | 87,374,000 | 93,263,000 | 84,843,000 |
| Total capital | 94,139,000 | 96,135,000 | 102,070,000 | 93,651,000 |
| Risk-weighted assets | 701,528,000 | 698,909,000 | 701,312,000 | 701,802,000 |