Call reports 2016
AMERICAN TRUST & SAVINGS BANK — 2016
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,039,218,000 | 1,034,031,000 | 1,077,145,000 | 1,087,325,000 |
| Total loans | 823,956,000 | 831,157,000 | 842,363,000 | 863,684,000 |
| Allowance for loan losses | 9,197,000 | 9,376,000 | 9,615,000 | 9,589,000 |
| Securities available for sale | 67,898,000 | 87,967,000 | 92,780,000 | 112,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 858,477,000 | 834,824,000 | 860,532,000 | 851,373,000 |
| Interest-bearing deposits | 701,626,000 | 666,522,000 | 672,493,000 | 666,568,000 |
| Noninterest-bearing deposits | 156,851,000 | 168,302,000 | 188,039,000 | 184,805,000 |
| Equity capital | 113,678,000 | 115,648,000 | 116,780,000 | 117,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,875,000 | 17,876,000 | 26,869,000 | 35,927,000 |
| Interest expense | 1,192,000 | 2,385,000 | 3,562,000 | 4,745,000 |
| Net interest income | 7,683,000 | 15,491,000 | 23,307,000 | 31,182,000 |
| Noninterest income | 6,049,000 | 12,595,000 | 18,567,000 | 24,428,000 |
| Noninterest expense | 10,870,000 | 21,826,000 | 32,794,000 | 42,840,000 |
| Provision for loan losses | 250,000 | 500,000 | 700,000 | 800,000 |
| Pretax income | 2,612,000 | 5,760,000 | 8,380,000 | 11,970,000 |
| Income tax | 727,000 | 1,652,000 | 2,369,000 | 3,351,000 |
| Net income | 1,885,000 | 4,108,000 | 6,011,000 | 8,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,949,000 | 113,607,000 | 114,944,000 | 116,963,000 |
| Total capital | 121,146,000 | 122,983,000 | 124,559,000 | 126,552,000 |
| Risk-weighted assets | 971,576,000 | 986,861,000 | 999,710,000 | 1,013,573,000 |