Call reports 2017
AMERICAN TRUST & SAVINGS BANK — 2017
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,087,389,000 | 1,130,613,000 | 1,137,185,000 | 1,156,621,000 |
| Total loans | 884,817,000 | 933,246,000 | 936,912,000 | 961,004,000 |
| Allowance for loan losses | 9,808,000 | 9,865,000 | 10,161,000 | 10,310,000 |
| Securities available for sale | 109,632,000 | 103,096,000 | 100,560,000 | 97,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 872,874,000 | 883,932,000 | 936,023,000 | 942,271,000 |
| Interest-bearing deposits | 693,317,000 | 694,524,000 | 746,519,000 | 747,035,000 |
| Noninterest-bearing deposits | 179,557,000 | 189,409,000 | 189,504,000 | 195,236,000 |
| Equity capital | 118,647,000 | 120,684,000 | 122,536,000 | 122,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 9,016,000 | 18,427,000 | 28,328,000 | 38,498,000 |
| Interest expense | 1,196,000 | 2,548,000 | 4,055,000 | 5,604,000 |
| Net interest income | 7,820,000 | 15,879,000 | 24,273,000 | 32,894,000 |
| Noninterest income | 6,089,000 | 12,278,000 | 18,865,000 | 25,651,000 |
| Noninterest expense | 11,143,000 | 21,868,000 | 32,959,000 | 43,856,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 2,516,000 | 5,789,000 | 9,429,000 | 13,689,000 |
| Income tax | 646,000 | 1,563,000 | 2,606,000 | 5,410,000 |
| Net income | 1,870,000 | 4,226,000 | 6,823,000 | 8,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,084,000 | 119,703,000 | 121,563,000 | 122,350,000 |
| Total capital | 127,891,000 | 129,567,000 | 131,724,000 | 132,660,000 |
| Risk-weighted assets | 1,039,238,000 | 1,082,187,000 | 1,081,104,000 | 1,094,895,000 |