Call reports 2009
AMERICAN COMMUNITY BANK — 2009
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 151,678,000 | 152,182,000 | 161,683,000 | 158,319,000 |
| Total loans | 130,126,000 | 133,147,000 | 135,667,000 | 133,272,000 |
| Allowance for loan losses | 1,392,000 | 1,497,000 | 1,706,000 | 2,004,000 |
| Securities available for sale | 9,022,000 | 12,654,000 | 16,982,000 | 16,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,619,000 | 131,006,000 | 137,322,000 | 135,516,000 |
| Interest-bearing deposits | 122,465,000 | 118,386,000 | 121,470,000 | 120,638,000 |
| Noninterest-bearing deposits | 12,154,000 | 12,620,000 | 15,852,000 | 14,878,000 |
| Equity capital | 12,437,000 | 13,612,000 | 14,224,000 | 14,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,249,000 | 4,520,000 | 6,764,000 | 9,182,000 |
| Interest expense | 850,000 | 1,556,000 | 2,203,000 | 2,846,000 |
| Net interest income | 1,399,000 | 2,964,000 | 4,561,000 | 6,336,000 |
| Noninterest income | 97,000 | 160,000 | 285,000 | 371,000 |
| Noninterest expense | 1,126,000 | 2,311,000 | 3,486,000 | 4,727,000 |
| Provision for loan losses | 75,000 | 180,000 | 390,000 | 685,000 |
| Pretax income | 446,000 | 784,000 | 1,121,000 | 1,459,000 |
| Income tax | 179,000 | 312,000 | 441,000 | 597,000 |
| Net income | 267,000 | 472,000 | 680,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,343,000 | 13,508,000 | 14,010,000 | 14,203,000 |
| Total capital | 13,735,000 | 15,005,000 | 15,716,000 | 16,088,000 |
| Risk-weighted assets | 137,164,000 | 142,594,000 | 149,625,000 | 150,275,000 |