Call reports 2016
AMERICAN COMMUNITY BANK — 2016
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 178,900,000 | 175,073,000 | 180,472,000 | 179,953,000 |
| Total loans | 123,701,000 | 125,085,000 | 129,613,000 | 136,878,000 |
| Allowance for loan losses | 2,688,000 | 2,405,000 | 2,257,000 | 2,259,000 |
| Securities available for sale | 29,546,000 | 28,700,000 | 27,966,000 | 29,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,718,000 | 144,111,000 | 148,883,000 | 148,430,000 |
| Interest-bearing deposits | 108,684,000 | 104,733,000 | 109,322,000 | 108,229,000 |
| Noninterest-bearing deposits | 38,034,000 | 39,378,000 | 39,562,000 | 40,202,000 |
| Equity capital | 25,000,000 | 25,618,000 | 26,154,000 | 26,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,917,000 | 3,827,000 | 5,785,000 | 7,632,000 |
| Interest expense | 191,000 | 390,000 | 595,000 | 789,000 |
| Net interest income | 1,726,000 | 3,437,000 | 5,190,000 | 6,843,000 |
| Noninterest income | 266,000 | 384,000 | 474,000 | 579,000 |
| Noninterest expense | 1,473,000 | 2,930,000 | 4,371,000 | 5,851,000 |
| Provision for loan losses | 0 | -300,000 | -450,000 | -450,000 |
| Pretax income | 562,000 | 1,234,000 | 1,786,000 | 2,064,000 |
| Income tax | 141,000 | 323,000 | 466,000 | 517,000 |
| Net income | 421,000 | 911,000 | 1,320,000 | 1,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,599,000 | 25,166,000 | 25,760,000 | 26,022,000 |
| Total capital | 26,382,000 | 26,941,000 | 27,570,000 | 27,952,000 |
| Risk-weighted assets | 141,779,000 | 141,336,000 | 144,371,000 | 154,052,000 |