Call reports 2020
AMERICA'S COMMUNITY BANK — 2020
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 30,810,000 | 33,446,000 | 33,199,000 | 31,650,000 |
| Total loans | 27,301,000 | 28,894,000 | 29,060,000 | 28,011,000 |
| Allowance for loan losses | 286,000 | 337,000 | 337,000 | 337,000 |
| Securities available for sale | 253,000 | 256,000 | 255,000 | 254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,102,000 | 29,771,000 | 29,441,000 | 27,819,000 |
| Interest-bearing deposits | 22,723,000 | 23,558,000 | 23,289,000 | 21,864,000 |
| Noninterest-bearing deposits | 4,379,000 | 6,213,000 | 6,152,000 | 5,955,000 |
| Equity capital | 3,646,000 | 3,623,000 | 3,707,000 | 3,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 384,000 | 815,000 | 1,192,000 | 1,561,000 |
| Interest expense | 98,000 | 178,000 | 243,000 | 299,000 |
| Net interest income | 286,000 | 637,000 | 949,000 | 1,262,000 |
| Noninterest income | 23,000 | 49,000 | 75,000 | 95,000 |
| Noninterest expense | 249,000 | 497,000 | 750,000 | 999,000 |
| Provision for loan losses | 4,000 | 55,000 | 55,000 | 55,000 |
| Pretax income | 56,000 | 134,000 | 219,000 | 303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 134,000 | 219,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,645,000 | 3,619,000 | 3,703,000 | 3,790,000 |
| Total capital | 3,931,000 | 3,945,000 | 4,029,000 | 4,099,000 |
| Risk-weighted assets | 25,245,000 | 26,083,000 | 26,083,000 | 24,700,000 |