Call reports 2018
AMERICAN TRUST & SAVINGS BANK — 2018
What AMERICAN TRUST & SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,160,136,000 | 1,201,942,000 | 1,198,036,000 | 1,248,390,000 |
| Total loans | 972,208,000 | 983,427,000 | 983,873,000 | 1,003,217,000 |
| Allowance for loan losses | 10,419,000 | 10,674,000 | 10,893,000 | 10,858,000 |
| Securities available for sale | 95,498,000 | 92,234,000 | 90,127,000 | 89,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 934,001,000 | 982,010,000 | 971,230,000 | 1,038,787,000 |
| Interest-bearing deposits | 754,353,000 | 785,638,000 | 776,692,000 | 824,260,000 |
| Noninterest-bearing deposits | 179,648,000 | 196,372,000 | 194,538,000 | 214,527,000 |
| Equity capital | 122,696,000 | 124,870,000 | 127,095,000 | 131,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 10,195,000 | 20,946,000 | 32,100,000 | 43,723,000 |
| Interest expense | 1,792,000 | 4,039,000 | 6,591,000 | 9,425,000 |
| Net interest income | 8,403,000 | 16,907,000 | 25,509,000 | 34,298,000 |
| Noninterest income | 6,294,000 | 12,712,000 | 19,300,000 | 25,708,000 |
| Noninterest expense | 11,184,000 | 22,300,000 | 33,488,000 | 44,259,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 3,263,000 | 6,819,000 | 10,571,000 | 14,747,000 |
| Income tax | 629,000 | 1,322,000 | 2,061,000 | 2,971,000 |
| Net income | 2,634,000 | 5,497,000 | 8,510,000 | 11,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,152,000 | 125,531,000 | 128,061,000 | 131,343,000 |
| Total capital | 133,571,000 | 136,205,000 | 138,954,000 | 142,201,000 |
| Risk-weighted assets | 1,112,013,000 | 1,113,499,000 | 1,120,822,000 | 1,136,210,000 |