Call reports 2012
AMERICAN COMMUNITY BANK — 2012
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 158,281,000 | 157,482,000 | 155,486,000 | 154,986,000 |
| Total loans | 119,111,000 | 117,202,000 | 116,748,000 | 113,227,000 |
| Allowance for loan losses | 4,136,000 | 4,324,000 | 4,338,000 | 3,789,000 |
| Securities available for sale | 11,117,000 | 12,907,000 | 12,930,000 | 12,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,209,000 | 132,434,000 | 131,318,000 | 129,975,000 |
| Interest-bearing deposits | 113,462,000 | 110,429,000 | 109,068,000 | 106,854,000 |
| Noninterest-bearing deposits | 19,747,000 | 22,005,000 | 22,250,000 | 23,121,000 |
| Equity capital | 19,771,000 | 19,978,000 | 20,242,000 | 20,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,020,000 | 3,929,000 | 5,813,000 | 7,770,000 |
| Interest expense | 377,000 | 736,000 | 1,061,000 | 1,350,000 |
| Net interest income | 1,643,000 | 3,193,000 | 4,752,000 | 6,420,000 |
| Noninterest income | 11,000 | 84,000 | 169,000 | 215,000 |
| Noninterest expense | 1,242,000 | 2,478,000 | 3,860,000 | 5,017,000 |
| Provision for loan losses | 225,000 | 450,000 | 525,000 | 0 |
| Pretax income | 187,000 | 349,000 | 536,000 | 1,618,000 |
| Income tax | 52,000 | 85,000 | 129,000 | 548,000 |
| Net income | 135,000 | 264,000 | 407,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,709,000 | 19,838,000 | 20,023,000 | 20,685,000 |
| Total capital | 21,417,000 | 21,531,000 | 21,691,000 | 22,332,000 |
| Risk-weighted assets | 134,203,000 | 132,793,000 | 130,772,000 | 129,597,000 |