Call reports 2012
AMERICAN TRUST & SAVINGS BANK — 2012
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 849,455,000 | 866,004,000 | 865,032,000 | 971,164,000 |
| Total loans | 641,507,000 | 630,641,000 | 623,258,000 | 652,626,000 |
| Allowance for loan losses | 11,101,000 | 10,074,000 | 11,006,000 | 9,712,000 |
| Securities available for sale | 72,211,000 | 79,069,000 | 90,555,000 | 98,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 703,811,000 | 724,991,000 | 720,858,000 | 833,180,000 |
| Interest-bearing deposits | 594,697,000 | 605,204,000 | 601,526,000 | 642,487,000 |
| Noninterest-bearing deposits | 109,114,000 | 119,787,000 | 119,332,000 | 190,693,000 |
| Equity capital | 89,528,000 | 90,931,000 | 92,546,000 | 93,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,915,000 | 17,696,000 | 26,108,000 | 34,297,000 |
| Interest expense | 1,502,000 | 2,978,000 | 4,426,000 | 5,854,000 |
| Net interest income | 7,413,000 | 14,718,000 | 21,682,000 | 28,443,000 |
| Noninterest income | 4,882,000 | 9,921,000 | 14,985,000 | 20,117,000 |
| Noninterest expense | 8,147,000 | 16,871,000 | 25,666,000 | 34,235,000 |
| Provision for loan losses | 900,000 | 2,503,000 | 3,533,000 | 4,433,000 |
| Pretax income | 3,248,000 | 5,265,000 | 7,468,000 | 9,892,000 |
| Income tax | 1,093,000 | 1,727,000 | 2,418,000 | 3,550,000 |
| Net income | 2,155,000 | 3,538,000 | 5,050,000 | 6,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,824,000 | 89,198,000 | 90,685,000 | 91,944,000 |
| Total capital | 96,503,000 | 97,756,000 | 99,169,000 | 100,905,000 |
| Risk-weighted assets | 691,924,000 | 683,109,000 | 676,214,000 | 716,142,000 |