Call reports 2004
AMERICAN COMMUNITY BANK — 2004
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,119,000 | 56,865,000 | 58,137,000 | 63,315,000 |
| Total loans | 33,989,000 | 36,987,000 | 38,823,000 | 45,571,000 |
| Allowance for loan losses | 697,000 | 456,000 | 589,000 | 643,000 |
| Securities available for sale | 19,345,000 | 17,250,000 | 17,101,000 | 15,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,271,000 | 50,219,000 | 51,241,000 | 53,301,000 |
| Interest-bearing deposits | 38,559,000 | 41,558,000 | 40,974,000 | 43,746,000 |
| Noninterest-bearing deposits | 8,711,000 | 8,661,000 | 10,267,000 | 9,555,000 |
| Equity capital | 6,736,000 | 6,529,000 | 6,801,000 | 6,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 717,000 | 1,520,000 | 2,369,000 | 3,315,000 |
| Interest expense | 130,000 | 280,000 | 442,000 | 636,000 |
| Net interest income | 587,000 | 1,240,000 | 1,927,000 | 2,679,000 |
| Noninterest income | 29,000 | 54,000 | 82,000 | 107,000 |
| Noninterest expense | 458,000 | 971,000 | 1,491,000 | 2,068,000 |
| Provision for loan losses | 45,000 | 120,000 | 195,000 | 270,000 |
| Pretax income | 113,000 | 203,000 | 323,000 | 448,000 |
| Income tax | 49,000 | 87,000 | 139,000 | 204,000 |
| Net income | 64,000 | 116,000 | 184,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,726,000 | 6,777,000 | 6,847,000 | 6,906,000 |
| Total capital | 7,204,000 | 7,233,000 | 7,381,000 | 7,533,000 |
| Risk-weighted assets | 37,986,000 | 41,051,000 | 42,700,000 | 49,349,000 |
Machine access — free, no API key
Every figure shown here about AMERICAN COMMUNITY BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.