Call reports 2013
AMERICAN TRUST & SAVINGS BANK — 2013
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 876,190,000 | 869,720,000 | 900,619,000 | 956,572,000 |
| Total loans | 647,832,000 | 678,468,000 | 698,015,000 | 718,571,000 |
| Allowance for loan losses | 10,174,000 | 10,698,000 | 10,754,000 | 9,760,000 |
| Securities available for sale | 98,161,000 | 101,733,000 | 98,553,000 | 101,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 730,180,000 | 723,843,000 | 751,954,000 | 784,492,000 |
| Interest-bearing deposits | 611,707,000 | 602,208,000 | 612,512,000 | 645,144,000 |
| Noninterest-bearing deposits | 118,473,000 | 121,635,000 | 139,442,000 | 139,348,000 |
| Equity capital | 95,003,000 | 95,377,000 | 97,045,000 | 99,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,301,000 | 16,346,000 | 24,458,000 | 32,627,000 |
| Interest expense | 1,346,000 | 2,682,000 | 4,017,000 | 5,311,000 |
| Net interest income | 6,955,000 | 13,664,000 | 20,441,000 | 27,316,000 |
| Noninterest income | 4,989,000 | 10,132,000 | 15,195,000 | 20,551,000 |
| Noninterest expense | 9,058,000 | 18,309,000 | 27,577,000 | 35,977,000 |
| Provision for loan losses | 675,000 | 1,200,000 | 1,650,000 | 1,950,000 |
| Pretax income | 2,211,000 | 4,296,000 | 6,418,000 | 9,949,000 |
| Income tax | 651,000 | 1,252,000 | 1,921,000 | 3,225,000 |
| Net income | 1,560,000 | 3,044,000 | 4,497,000 | 6,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,509,000 | 94,976,000 | 96,417,000 | 98,637,000 |
| Total capital | 102,409,000 | 104,096,000 | 105,950,000 | 108,397,000 |
| Risk-weighted assets | 710,670,000 | 728,046,000 | 761,411,000 | 789,413,000 |