Call reports 2023
AMERICA'S COMMUNITY BANK — 2023
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 44,254,000 | 45,556,000 | 43,847,000 | 42,246,000 |
| Total loans | 42,328,000 | 42,308,000 | 42,932,000 | 41,595,000 |
| Allowance for loan losses | 460,000 | 480,000 | 515,000 | 444,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,937,000 | 39,535,000 | 38,955,000 | 37,338,000 |
| Interest-bearing deposits | 28,314,000 | 27,481,000 | 29,204,000 | 29,711,000 |
| Noninterest-bearing deposits | 8,623,000 | 12,054,000 | 9,751,000 | 7,627,000 |
| Equity capital | 4,195,000 | 4,348,000 | 4,506,000 | 4,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,204,000 | 1,876,000 | 2,576,000 |
| Interest expense | 154,000 | 366,000 | 585,000 | 833,000 |
| Net interest income | 422,000 | 838,000 | 1,291,000 | 1,743,000 |
| Noninterest income | 8,000 | 24,000 | 36,000 | 43,000 |
| Noninterest expense | 258,000 | 516,000 | 788,000 | 1,058,000 |
| Provision for loan losses | 20,000 | 40,000 | 75,000 | 230,000 |
| Pretax income | 152,000 | 306,000 | 464,000 | 498,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 306,000 | 464,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,195,000 | 4,348,000 | 4,506,000 | 4,540,000 |