Call reports 2011
AMERICAN COMMUNITY BANK — 2011
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 155,806,000 | 150,310,000 | 154,873,000 | 156,605,000 |
| Total loans | 126,112,000 | 127,330,000 | 126,878,000 | 124,999,000 |
| Allowance for loan losses | 3,348,000 | 3,426,000 | 3,703,000 | 3,913,000 |
| Securities available for sale | 8,507,000 | 6,631,000 | 6,492,000 | 6,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,525,000 | 122,391,000 | 128,156,000 | 129,438,000 |
| Interest-bearing deposits | 109,995,000 | 106,513,000 | 110,648,000 | 109,962,000 |
| Noninterest-bearing deposits | 18,530,000 | 15,879,000 | 17,508,000 | 19,476,000 |
| Equity capital | 18,930,000 | 19,467,000 | 19,760,000 | 19,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,151,000 | 4,283,000 | 6,326,000 | 8,310,000 |
| Interest expense | 434,000 | 853,000 | 1,271,000 | 1,678,000 |
| Net interest income | 1,717,000 | 3,430,000 | 5,055,000 | 6,632,000 |
| Noninterest income | 151,000 | 253,000 | 469,000 | 580,000 |
| Noninterest expense | 1,286,000 | 2,596,000 | 3,833,000 | 5,043,000 |
| Provision for loan losses | 225,000 | 450,000 | 725,000 | 950,000 |
| Pretax income | 357,000 | 683,000 | 1,049,000 | 1,301,000 |
| Income tax | 128,000 | 248,000 | 374,000 | 457,000 |
| Net income | 229,000 | 435,000 | 675,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,894,000 | 19,401,000 | 19,649,000 | 19,818,000 |
| Total capital | 20,709,000 | 21,189,000 | 21,419,000 | 21,565,000 |
| Risk-weighted assets | 142,885,000 | 140,603,000 | 138,945,000 | 137,568,000 |