Call reports 2019
AMERICA'S COMMUNITY BANK — 2019
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 28,672,000 | 29,122,000 | 31,206,000 | 31,341,000 |
| Total loans | 21,785,000 | 26,871,000 | 28,172,000 | 27,533,000 |
| Allowance for loan losses | 260,000 | 256,000 | 268,000 | 282,000 |
| Securities available for sale | 1,127,000 | 429,000 | 253,000 | 253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,188,000 | 25,554,000 | 27,587,000 | 27,667,000 |
| Interest-bearing deposits | 21,193,000 | 21,269,000 | 22,231,000 | 23,174,000 |
| Noninterest-bearing deposits | 3,995,000 | 4,285,000 | 5,356,000 | 4,493,000 |
| Equity capital | 3,422,000 | 3,490,000 | 3,541,000 | 3,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 698,000 | 1,095,000 | 1,497,000 |
| Interest expense | 82,000 | 173,000 | 271,000 | 371,000 |
| Net interest income | 245,000 | 525,000 | 824,000 | 1,126,000 |
| Noninterest income | 8,000 | 17,000 | 41,000 | 54,000 |
| Noninterest expense | 236,000 | 484,000 | 718,000 | 958,000 |
| Provision for loan losses | 0 | 0 | 37,000 | 51,000 |
| Pretax income | 17,000 | 58,000 | 110,000 | 171,000 |
| Income tax | 0 | 0 | 0 | 12,000 |
| Net income | 17,000 | 58,000 | 110,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,424,000 | 3,489,000 | 3,540,000 | 3,590,000 |
| Total capital | 3,684,000 | 3,745,000 | 3,808,000 | 3,872,000 |
| Risk-weighted assets | 21,515,000 | 25,099,000 | 26,385,000 | 24,868,000 |