Call reports 2007
AMERICA'S COMMUNITY BANK — 2007
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 34,582,000 | 34,741,000 | 34,412,000 | 34,630,000 |
| Total loans | 24,460,000 | 23,564,000 | 26,488,000 | 26,882,000 |
| Allowance for loan losses | 318,000 | 321,000 | 324,000 | 327,000 |
| Securities available for sale | 4,635,000 | 5,124,000 | 4,658,000 | 4,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,700,000 | 30,856,000 | 29,980,000 | 30,226,000 |
| Interest-bearing deposits | 27,927,000 | 28,327,000 | 26,875,000 | 27,045,000 |
| Noninterest-bearing deposits | 2,773,000 | 2,529,000 | 3,105,000 | 3,181,000 |
| Equity capital | 2,657,000 | 2,640,000 | 2,676,000 | 2,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 607,000 | 1,213,000 | 1,835,000 | 2,453,000 |
| Interest expense | 290,000 | 590,000 | 891,000 | 1,188,000 |
| Net interest income | 317,000 | 623,000 | 944,000 | 1,265,000 |
| Noninterest income | 20,000 | 38,000 | 58,000 | 76,000 |
| Noninterest expense | 252,000 | 512,000 | 801,000 | 1,119,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 82,000 | 143,000 | 192,000 | 210,000 |
| Income tax | -1,000 | 0 | 3,000 | 3,000 |
| Net income | 83,000 | 143,000 | 189,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,618,000 | 2,618,000 | 2,622,000 | 2,605,000 |
| Total capital | 2,922,000 | 2,926,000 | 2,946,000 | 2,932,000 |
| Risk-weighted assets | 24,277,000 | 24,442,000 | 26,509,000 | 27,245,000 |
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