Call reports 2008
AMERICA'S COMMUNITY BANK — 2008
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 34,725,000 | 33,506,000 | 33,791,000 | 33,248,000 |
| Total loans | 26,544,000 | 26,747,000 | 27,087,000 | 24,689,000 |
| Allowance for loan losses | 329,000 | 332,000 | 336,000 | 342,000 |
| Securities available for sale | 3,049,000 | 3,516,000 | 2,507,000 | 2,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,244,000 | 27,997,000 | 28,289,000 | 25,816,000 |
| Interest-bearing deposits | 26,209,000 | 24,813,000 | 24,671,000 | 22,041,000 |
| Noninterest-bearing deposits | 3,035,000 | 3,184,000 | 3,618,000 | 3,775,000 |
| Equity capital | 2,751,000 | 2,772,000 | 2,767,000 | 2,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 567,000 | 1,127,000 | 1,671,000 | 2,168,000 |
| Interest expense | 284,000 | 522,000 | 750,000 | 958,000 |
| Net interest income | 283,000 | 605,000 | 921,000 | 1,210,000 |
| Noninterest income | 17,000 | 35,000 | 46,000 | 77,000 |
| Noninterest expense | 236,000 | 470,000 | 723,000 | 1,035,000 |
| Provision for loan losses | 2,000 | 5,000 | 9,000 | 15,000 |
| Pretax income | 62,000 | 165,000 | 235,000 | 237,000 |
| Income tax | 3,000 | 8,000 | 11,000 | 12,000 |
| Net income | 59,000 | 157,000 | 224,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,664,000 | 2,717,000 | 2,722,000 | 2,673,000 |
| Total capital | 2,993,000 | 3,037,000 | 3,045,000 | 2,977,000 |
| Risk-weighted assets | 25,564,000 | 25,581,000 | 25,848,000 | 24,258,000 |
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