Call reports 2012
AMERICA'S COMMUNITY BANK — 2012
What AMERICA'S COMMUNITY BANK 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 | 29,137,000 | 28,327,000 | 29,680,000 | 28,961,000 |
| Total loans | 20,436,000 | 20,353,000 | 20,971,000 | 20,613,000 |
| Allowance for loan losses | 677,000 | 677,000 | 708,000 | 708,000 |
| Securities available for sale | 2,340,000 | 2,282,000 | 2,046,000 | 530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,044,000 | 23,164,000 | 25,420,000 | 24,839,000 |
| Interest-bearing deposits | 20,979,000 | 20,868,000 | 21,811,000 | 21,162,000 |
| Noninterest-bearing deposits | 3,065,000 | 2,296,000 | 3,609,000 | 3,677,000 |
| Equity capital | 2,903,000 | 2,966,000 | 3,037,000 | 2,943,000 |
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 | 330,000 | 647,000 | 977,000 | 1,285,000 |
| Interest expense | 58,000 | 116,000 | 172,000 | 227,000 |
| Net interest income | 272,000 | 531,000 | 805,000 | 1,058,000 |
| Noninterest income | 19,000 | 36,000 | 55,000 | 65,000 |
| Noninterest expense | 242,000 | 460,000 | 697,000 | 934,000 |
| Provision for loan losses | 0 | -1,000 | -1,000 | -1,000 |
| Pretax income | 49,000 | 108,000 | 164,000 | 224,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 10,000 |
| Net income | 47,000 | 104,000 | 157,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,797,000 | 2,855,000 | 2,908,000 | 2,893,000 |
| Total capital | 3,039,000 | 3,090,000 | 3,147,000 | 3,132,000 |
| Risk-weighted assets | 18,963,000 | 18,344,000 | 18,675,000 | 18,660,000 |