Call reports 2009
AMERICA'S COMMUNITY BANK — 2009
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 33,415,000 | 32,499,000 | 34,193,000 | 33,902,000 |
| Total loans | 26,545,000 | 24,622,000 | 25,515,000 | 25,163,000 |
| Allowance for loan losses | 347,000 | 513,000 | 520,000 | 547,000 |
| Securities available for sale | 1,008,000 | 505,000 | 2,806,000 | 1,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,957,000 | 26,228,000 | 26,897,000 | 27,121,000 |
| Interest-bearing deposits | 23,336,000 | 23,580,000 | 23,779,000 | 23,542,000 |
| Noninterest-bearing deposits | 2,621,000 | 2,648,000 | 3,118,000 | 3,579,000 |
| Equity capital | 2,770,000 | 2,544,000 | 2,594,000 | 2,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 887,000 | 1,338,000 | 1,811,000 |
| Interest expense | 185,000 | 360,000 | 528,000 | 677,000 |
| Net interest income | 289,000 | 527,000 | 810,000 | 1,134,000 |
| Noninterest income | 20,000 | 38,000 | 60,000 | 74,000 |
| Noninterest expense | 261,000 | 519,000 | 772,000 | 1,063,000 |
| Provision for loan losses | 5,000 | 193,000 | 200,000 | 247,000 |
| Pretax income | 43,000 | -147,000 | -102,000 | -102,000 |
| Income tax | -8,000 | -10,000 | -15,000 | -14,000 |
| Net income | 51,000 | -137,000 | -87,000 | -88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,724,000 | 2,501,000 | 2,551,000 | 2,550,000 |
| Total capital | 3,040,000 | 2,802,000 | 2,869,000 | 2,844,000 |
| Risk-weighted assets | 25,239,000 | 23,900,000 | 25,261,000 | 23,228,000 |
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