Call reports 2015
AMERICA'S COMMUNITY BANK — 2015
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 28,406,000 | 28,270,000 | 28,458,000 | 27,357,000 |
| Total loans | 20,444,000 | 19,004,000 | 18,584,000 | 18,884,000 |
| Allowance for loan losses | 497,000 | 497,000 | 497,000 | 497,000 |
| Securities available for sale | 2,506,000 | 6,988,000 | 3,772,000 | 2,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,929,000 | 23,811,000 | 23,921,000 | 22,859,000 |
| Interest-bearing deposits | 20,323,000 | 20,022,000 | 20,829,000 | 19,658,000 |
| Noninterest-bearing deposits | 3,606,000 | 3,789,000 | 3,092,000 | 3,201,000 |
| Equity capital | 3,428,000 | 3,404,000 | 3,467,000 | 3,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 573,000 | 869,000 | 1,148,000 |
| Interest expense | 40,000 | 82,000 | 127,000 | 168,000 |
| Net interest income | 253,000 | 491,000 | 742,000 | 980,000 |
| Noninterest income | 12,000 | 24,000 | 4,000 | 18,000 |
| Noninterest expense | 209,000 | 421,000 | 618,000 | 842,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 56,000 | 94,000 | 127,000 | 155,000 |
| Income tax | 2,000 | -6,000 | -5,000 | -4,000 |
| Net income | 54,000 | 100,000 | 132,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,421,000 | 3,418,000 | 3,449,000 | 3,465,000 |
| Total capital | 3,662,000 | 3,652,000 | 3,679,000 | 3,699,000 |
| Risk-weighted assets | 19,054,000 | 18,444,000 | 18,111,000 | 18,441,000 |