Call reports 2005
AMERICAN COMMUNITY BANK — 2005
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,515,000 | 76,049,000 | 75,566,000 | 77,544,000 |
| Total loans | 50,789,000 | 53,893,000 | 56,014,000 | 59,760,000 |
| Allowance for loan losses | 706,000 | 765,000 | 829,000 | 889,000 |
| Securities available for sale | 15,283,000 | 15,014,000 | 14,564,000 | 14,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,506,000 | 68,863,000 | 68,359,000 | 68,091,000 |
| Interest-bearing deposits | 57,422,000 | 56,742,000 | 56,208,000 | 54,629,000 |
| Noninterest-bearing deposits | 11,084,000 | 12,121,000 | 12,151,000 | 13,462,000 |
| Equity capital | 6,824,000 | 6,970,000 | 6,984,000 | 7,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,046,000 | 2,201,000 | 3,397,000 | 4,601,000 |
| Interest expense | 279,000 | 622,000 | 978,000 | 1,347,000 |
| Net interest income | 767,000 | 1,579,000 | 2,419,000 | 3,254,000 |
| Noninterest income | 23,000 | 52,000 | 84,000 | 147,000 |
| Noninterest expense | 667,000 | 1,342,000 | 2,049,000 | 2,784,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 63,000 | 169,000 | 274,000 | 377,000 |
| Income tax | 35,000 | 70,000 | 107,000 | 147,000 |
| Net income | 28,000 | 99,000 | 167,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,950,000 | 7,018,000 | 7,086,000 | 7,155,000 |
| Total capital | 7,656,000 | 7,758,000 | 7,848,000 | 7,960,000 |
| Risk-weighted assets | 56,243,000 | 58,718,000 | 60,112,000 | 63,645,000 |