Call reports 2010
AMERICAN COMMUNITY BANK — 2010
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 164,149,000 | 162,886,000 | 158,396,000 | 160,235,000 |
| Total loans | 133,402,000 | 133,611,000 | 134,626,000 | 128,375,000 |
| Allowance for loan losses | 2,202,000 | 2,568,000 | 2,720,000 | 3,168,000 |
| Securities available for sale | 19,781,000 | 18,280,000 | 8,639,000 | 8,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,172,000 | 136,989,000 | 135,189,000 | 133,507,000 |
| Interest-bearing deposits | 122,582,000 | 122,541,000 | 119,730,000 | 117,991,000 |
| Noninterest-bearing deposits | 14,590,000 | 14,449,000 | 15,459,000 | 15,517,000 |
| Equity capital | 14,489,000 | 14,867,000 | 14,986,000 | 18,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,279,000 | 4,963,000 | 7,201,000 | 9,328,000 |
| Interest expense | 562,000 | 1,070,000 | 1,583,000 | 2,072,000 |
| Net interest income | 1,717,000 | 3,893,000 | 5,618,000 | 7,256,000 |
| Noninterest income | 74,000 | 208,000 | 356,000 | 655,000 |
| Noninterest expense | 1,218,000 | 2,510,000 | 3,816,000 | 4,960,000 |
| Provision for loan losses | 200,000 | 625,000 | 925,000 | 1,381,000 |
| Pretax income | 373,000 | 966,000 | 1,299,000 | 1,636,000 |
| Income tax | 155,000 | 402,000 | 539,000 | 634,000 |
| Net income | 218,000 | 564,000 | 760,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,310,000 | 14,657,000 | 14,852,000 | 18,150,000 |
| Total capital | 16,160,000 | 16,500,000 | 16,723,000 | 20,027,000 |
| Risk-weighted assets | 146,879,000 | 146,483,000 | 148,094,000 | 148,181,000 |