Call reports 2025
AMERICA'S COMMUNITY BANK — 2025
What AMERICA'S COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 51,723,000 | 54,814,000 | 57,073,000 | 61,756,000 |
| Total loans | 44,796,000 | 49,780,000 | 53,615,000 | 57,629,000 |
| Allowance for loan losses | 580,000 | 645,000 | 685,000 | 735,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,189,000 | 44,458,000 | 45,206,000 | 46,532,000 |
| Interest-bearing deposits | 33,081,000 | 35,536,000 | 37,186,000 | 38,552,000 |
| Noninterest-bearing deposits | 9,108,000 | 8,922,000 | 8,020,000 | 7,980,000 |
| Equity capital | 5,102,000 | 5,023,000 | 5,252,000 | 5,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,796,000 | 2,796,000 | 3,841,000 |
| Interest expense | 330,000 | 664,000 | 1,027,000 | 1,406,000 |
| Net interest income | 536,000 | 1,132,000 | 1,769,000 | 2,435,000 |
| Noninterest income | 11,000 | 18,000 | 22,000 | 30,000 |
| Noninterest expense | 345,000 | 662,000 | 1,024,000 | 1,361,000 |
| Provision for loan losses | 10,000 | 75,000 | 115,000 | 165,000 |
| Pretax income | 191,000 | 412,000 | 641,000 | 931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 191,000 | 412,000 | 641,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,102,000 | 5,023,000 | 5,252,000 | 5,542,000 |