Call reports 2017
AMERICAN COMMUNITY BANK — 2017
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 188,407,000 | 188,935,000 | 193,388,000 | 196,465,000 |
| Total loans | 136,914,000 | 139,911,000 | 137,118,000 | 145,860,000 |
| Allowance for loan losses | 2,259,000 | 2,263,000 | 2,265,000 | 1,968,000 |
| Securities available for sale | 29,218,000 | 28,781,000 | 29,307,000 | 30,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,052,000 | 159,585,000 | 160,950,000 | 157,799,000 |
| Interest-bearing deposits | 112,313,000 | 114,094,000 | 112,013,000 | 108,747,000 |
| Noninterest-bearing deposits | 44,740,000 | 45,491,000 | 48,937,000 | 49,052,000 |
| Equity capital | 25,583,000 | 25,699,000 | 26,061,000 | 25,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 3,895,000 | 5,906,000 | 7,966,000 |
| Interest expense | 196,000 | 400,000 | 609,000 | 824,000 |
| Net interest income | 1,715,000 | 3,495,000 | 5,297,000 | 7,142,000 |
| Noninterest income | 91,000 | 193,000 | 310,000 | 419,000 |
| Noninterest expense | 1,451,000 | 2,940,000 | 4,438,000 | 6,098,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 363,000 | 769,000 | 1,190,000 | 1,801,000 |
| Income tax | 80,000 | 175,000 | 275,000 | 873,000 |
| Net income | 283,000 | 594,000 | 915,000 | 928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,468,000 | 25,644,000 | 25,974,000 | 25,995,000 |
| Total capital | 27,453,000 | 27,646,000 | 27,905,000 | 27,934,000 |
| Risk-weighted assets | 158,500,000 | 159,913,000 | 154,124,000 | 155,090,000 |