Call reports 2013
AMERICAN COMMUNITY BANK — 2013
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 152,538,000 | 167,753,000 | 177,470,000 | 172,341,000 |
| Total loans | 109,768,000 | 110,645,000 | 107,306,000 | 110,341,000 |
| Allowance for loan losses | 3,865,000 | 3,932,000 | 3,928,000 | 3,276,000 |
| Securities available for sale | 12,479,000 | 15,592,000 | 22,843,000 | 27,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,602,000 | 144,232,000 | 153,604,000 | 147,527,000 |
| Interest-bearing deposits | 106,720,000 | 120,988,000 | 128,589,000 | 122,529,000 |
| Noninterest-bearing deposits | 21,882,000 | 23,244,000 | 25,016,000 | 24,998,000 |
| Equity capital | 20,715,000 | 20,500,000 | 20,635,000 | 21,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,808,000 | 3,515,000 | 5,296,000 | 7,114,000 |
| Interest expense | 272,000 | 550,000 | 878,000 | 1,162,000 |
| Net interest income | 1,536,000 | 2,965,000 | 4,418,000 | 5,952,000 |
| Noninterest income | 86,000 | 165,000 | 256,000 | 345,000 |
| Noninterest expense | 1,327,000 | 2,623,000 | 4,059,000 | 5,322,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | -505,000 |
| Pretax income | 220,000 | 357,000 | 465,000 | 1,480,000 |
| Income tax | 59,000 | 85,000 | 131,000 | 484,000 |
| Net income | 161,000 | 272,000 | 334,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,520,000 | 20,681,000 | 20,833,000 | 21,796,000 |
| Total capital | 22,142,000 | 22,352,000 | 22,500,000 | 23,529,000 |
| Risk-weighted assets | 127,404,000 | 131,534,000 | 131,128,000 | 137,126,000 |