Call reports 2014
AMERICA'S COMMUNITY BANK — 2014
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 27,026,000 | 26,416,000 | 25,862,000 | 27,666,000 |
| Total loans | 20,500,000 | 20,572,000 | 20,650,000 | 21,239,000 |
| Allowance for loan losses | 498,000 | 497,000 | 497,000 | 497,000 |
| Securities available for sale | 516,000 | 2,510,000 | 2,501,000 | 2,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,379,000 | 21,805,000 | 21,190,000 | 23,272,000 |
| Interest-bearing deposits | 18,495,000 | 17,477,000 | 17,934,000 | 19,641,000 |
| Noninterest-bearing deposits | 3,884,000 | 4,328,000 | 3,256,000 | 3,631,000 |
| Equity capital | 3,418,000 | 3,368,000 | 3,401,000 | 3,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 297,000 | 579,000 | 880,000 | 1,184,000 |
| Interest expense | 43,000 | 82,000 | 122,000 | 177,000 |
| Net interest income | 254,000 | 497,000 | 758,000 | 1,007,000 |
| Noninterest income | 377,000 | 381,000 | 390,000 | 415,000 |
| Noninterest expense | 237,000 | 447,000 | 674,000 | 897,000 |
| Provision for loan losses | 1,000 | 0 | 0 | 0 |
| Pretax income | 393,000 | 431,000 | 474,000 | 525,000 |
| Income tax | 19,000 | 21,000 | 23,000 | 25,000 |
| Net income | 374,000 | 410,000 | 451,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,411,000 | 3,362,000 | 3,403,000 | 3,366,000 |
| Total capital | 3,655,000 | 3,604,000 | 3,646,000 | 3,614,000 |
| Risk-weighted assets | 19,280,000 | 19,095,000 | 19,150,000 | 19,616,000 |