Call reports 2006
AMERICAN COMMUNITY BANK — 2006
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,495,000 | 84,546,000 | 87,207,000 | 90,673,000 |
| Total loans | 63,028,000 | 65,198,000 | 69,601,000 | 73,703,000 |
| Allowance for loan losses | 949,000 | 979,000 | 1,040,000 | 1,102,000 |
| Securities available for sale | 13,813,000 | 13,537,000 | 11,543,000 | 11,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,752,000 | 71,767,000 | 74,379,000 | 79,370,000 |
| Interest-bearing deposits | 57,687,000 | 55,833,000 | 61,842,000 | 67,539,000 |
| Noninterest-bearing deposits | 11,065,000 | 15,934,000 | 12,537,000 | 11,831,000 |
| Equity capital | 7,078,000 | 7,128,000 | 10,692,000 | 10,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,321,000 | 2,778,000 | 4,354,000 | 5,943,000 |
| Interest expense | 446,000 | 985,000 | 1,555,000 | 2,194,000 |
| Net interest income | 875,000 | 1,793,000 | 2,799,000 | 3,749,000 |
| Noninterest income | 76,000 | 173,000 | 265,000 | 380,000 |
| Noninterest expense | 744,000 | 1,534,000 | 2,319,000 | 3,185,000 |
| Provision for loan losses | 60,000 | 125,000 | 190,000 | 256,000 |
| Pretax income | 147,000 | 307,000 | 555,000 | 688,000 |
| Income tax | 59,000 | 123,000 | 222,000 | 275,000 |
| Net income | 88,000 | 184,000 | 333,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,241,000 | 7,337,000 | 10,774,000 | 10,853,000 |
| Total capital | 8,086,000 | 8,223,000 | 11,686,000 | 11,833,000 |
| Risk-weighted assets | 67,489,000 | 70,173,000 | 73,458,000 | 77,901,000 |
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