Call reports 2015
AMERICAN COMMUNITY BANK — 2015
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 164,703,000 | 168,909,000 | 170,754,000 | 171,273,000 |
| Total loans | 112,959,000 | 117,699,000 | 121,575,000 | 121,761,000 |
| Allowance for loan losses | 3,185,000 | 3,221,000 | 2,999,000 | 2,684,000 |
| Securities available for sale | 38,091,000 | 32,954,000 | 31,935,000 | 31,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,739,000 | 133,187,000 | 130,617,000 | 136,889,000 |
| Interest-bearing deposits | 100,664,000 | 99,805,000 | 97,158,000 | 100,693,000 |
| Noninterest-bearing deposits | 32,076,000 | 33,382,000 | 33,459,000 | 36,195,000 |
| Equity capital | 23,328,000 | 23,235,000 | 24,072,000 | 24,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,870,000 | 3,779,000 | 5,681,000 | 7,378,000 |
| Interest expense | 202,000 | 413,000 | 608,000 | 807,000 |
| Net interest income | 1,668,000 | 3,366,000 | 5,073,000 | 6,571,000 |
| Noninterest income | 107,000 | 216,000 | 328,000 | 377,000 |
| Noninterest expense | 1,404,000 | 2,800,000 | 4,288,000 | 5,938,000 |
| Provision for loan losses | 0 | 0 | -225,000 | -525,000 |
| Pretax income | 371,000 | 782,000 | 1,396,000 | 1,595,000 |
| Income tax | 140,000 | 267,000 | 405,000 | 369,000 |
| Net income | 291,000 | 574,000 | 991,000 | 1,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,894,000 | 23,184,000 | 23,705,000 | 24,196,000 |
| Total capital | 24,716,000 | 25,095,000 | 25,678,000 | 26,143,000 |
| Risk-weighted assets | 144,367,000 | 151,491,000 | 156,794,000 | 155,061,000 |