Call reports 2012
AMERICAN BANK OF COMMERCE — 2012
What AMERICAN BANK OF COMMERCE 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 | 47,958,000 | 49,481,000 | 53,431,000 | 60,240,000 |
| Total loans | 32,824,000 | 31,550,000 | 31,588,000 | 33,250,000 |
| Allowance for loan losses | 1,012,000 | 858,000 | 684,000 | 606,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,541,000 | 41,110,000 | 45,032,000 | 51,298,000 |
| Interest-bearing deposits | 23,905,000 | 25,000,000 | 25,434,000 | 30,494,000 |
| Noninterest-bearing deposits | 15,636,000 | 16,110,000 | 19,599,000 | 20,804,000 |
| Equity capital | 8,227,000 | 8,212,000 | 8,226,000 | 8,562,000 |
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 | 670,000 | 1,293,000 | 1,848,000 | 2,604,000 |
| Interest expense | 37,000 | 71,000 | 97,000 | 125,000 |
| Net interest income | 633,000 | 1,222,000 | 1,751,000 | 2,479,000 |
| Noninterest income | 133,000 | 374,000 | 679,000 | 1,340,000 |
| Noninterest expense | 662,000 | 1,394,000 | 2,128,000 | 2,934,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 254,000 |
| Pretax income | 44,000 | 82,000 | 122,000 | 631,000 |
| Income tax | -1,000 | 52,000 | 78,000 | 251,000 |
| Net income | 45,000 | 30,000 | 44,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,227,000 | 8,212,000 | 8,226,000 | 8,562,000 |
| Total capital | 8,714,000 | 8,690,000 | 8,708,000 | 9,077,000 |
| Risk-weighted assets | 37,649,000 | 37,074,000 | 37,562,000 | 40,370,000 |