Call reports 2014
AMERICAN COMMUNITY BANK — 2014
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 167,684,000 | 158,685,000 | 153,557,000 | 153,506,000 |
| Total loans | 106,564,000 | 108,912,000 | 111,480,000 | 113,904,000 |
| Allowance for loan losses | 3,323,000 | 3,215,000 | 3,217,000 | 3,122,000 |
| Securities available for sale | 28,325,000 | 28,440,000 | 26,811,000 | 27,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,100,000 | 132,658,000 | 127,503,000 | 126,632,000 |
| Interest-bearing deposits | 116,446,000 | 104,045,000 | 100,495,000 | 98,178,000 |
| Noninterest-bearing deposits | 25,654,000 | 28,614,000 | 27,008,000 | 28,454,000 |
| Equity capital | 22,038,000 | 22,371,000 | 22,630,000 | 23,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,848,000 | 3,706,000 | 5,560,000 | 7,727,000 |
| Interest expense | 251,000 | 485,000 | 696,000 | 899,000 |
| Net interest income | 1,597,000 | 3,221,000 | 4,864,000 | 6,828,000 |
| Noninterest income | 94,000 | 194,000 | 265,000 | 419,000 |
| Noninterest expense | 1,443,000 | 2,923,000 | 4,236,000 | 5,628,000 |
| Provision for loan losses | 45,000 | 45,000 | 145,000 | 145,000 |
| Pretax income | 203,000 | 447,000 | 748,000 | 1,474,000 |
| Income tax | 49,000 | 105,000 | 192,000 | 513,000 |
| Net income | 174,000 | 357,000 | 593,000 | 998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,029,000 | 22,265,000 | 22,524,000 | 22,946,000 |
| Total capital | 23,734,000 | 24,005,000 | 24,233,000 | 24,640,000 |
| Risk-weighted assets | 136,591,000 | 138,569,000 | 135,153,000 | 134,112,000 |