Call reports 2016
AMERICA'S COMMUNITY BANK — 2016
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 28,745,000 | 30,099,000 | 30,590,000 | 29,765,000 |
| Total loans | 20,020,000 | 20,492,000 | 20,508,000 | 22,332,000 |
| Allowance for loan losses | 497,000 | 497,000 | 497,000 | 476,000 |
| Securities available for sale | 1,264,000 | 266,000 | 265,000 | 254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,209,000 | 25,537,000 | 25,999,000 | 26,155,000 |
| Interest-bearing deposits | 20,346,000 | 22,285,000 | 22,594,000 | 22,698,000 |
| Noninterest-bearing deposits | 3,863,000 | 3,252,000 | 3,405,000 | 3,457,000 |
| Equity capital | 3,508,000 | 3,520,000 | 3,544,000 | 3,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 286,000 | 564,000 | 862,000 | 1,192,000 |
| Interest expense | 45,000 | 92,000 | 143,000 | 193,000 |
| Net interest income | 241,000 | 472,000 | 719,000 | 999,000 |
| Noninterest income | 12,000 | 23,000 | 40,000 | 54,000 |
| Noninterest expense | 224,000 | 457,000 | 695,000 | 940,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 38,000 | 64,000 | 113,000 |
| Income tax | -7,000 | -7,000 | -6,000 | -5,000 |
| Net income | 36,000 | 45,000 | 70,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,500,000 | 3,510,000 | 3,536,000 | 3,584,000 |
| Total capital | 3,744,000 | 3,755,000 | 3,784,000 | 3,848,000 |
| Risk-weighted assets | 19,242,000 | 19,334,000 | 19,596,000 | 20,899,000 |