Call reports 2005
AMERICA'S COMMUNITY BANK — 2005
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,585,000 | 31,928,000 | 32,035,000 | 34,134,000 |
| Total loans | 26,264,000 | 26,113,000 | 26,779,000 | 26,575,000 |
| Allowance for loan losses | 310,000 | 313,000 | 315,000 | 317,000 |
| Securities available for sale | 2,169,000 | 2,173,000 | 1,675,000 | 2,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,000,000 | 27,277,000 | 27,371,000 | 29,479,000 |
| Interest-bearing deposits | 25,247,000 | 25,058,000 | 24,842,000 | 26,495,000 |
| Noninterest-bearing deposits | 2,753,000 | 2,219,000 | 2,529,000 | 2,984,000 |
| Equity capital | 2,454,000 | 2,493,000 | 2,485,000 | 2,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 501,000 | 1,015,000 | 1,522,000 | 2,066,000 |
| Interest expense | 156,000 | 331,000 | 517,000 | 731,000 |
| Net interest income | 345,000 | 684,000 | 1,005,000 | 1,335,000 |
| Noninterest income | 26,000 | 42,000 | 67,000 | 88,000 |
| Noninterest expense | 245,000 | 475,000 | 748,000 | 1,061,000 |
| Provision for loan losses | 3,000 | 6,000 | 8,000 | 13,000 |
| Pretax income | 123,000 | 245,000 | 316,000 | 349,000 |
| Income tax | 0 | 6,000 | 8,000 | 11,000 |
| Net income | 123,000 | 239,000 | 308,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,434,000 | 2,468,000 | 2,458,000 | 2,443,000 |
| Total capital | 2,734,000 | 2,766,000 | 2,764,000 | 2,758,000 |
| Risk-weighted assets | 24,007,000 | 23,808,000 | 24,450,000 | 25,042,000 |
Machine access — free, no API key
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