Call reports 2018
AMERICAN COMMUNITY BANK — 2018
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 199,337,000 | 205,532,000 | 208,696,000 | 208,002,000 |
| Total loans | 149,753,000 | 157,342,000 | 161,086,000 | 162,411,000 |
| Allowance for loan losses | 1,969,000 | 1,978,000 | 1,980,000 | 1,982,000 |
| Securities available for sale | 30,212,000 | 29,098,000 | 28,583,000 | 27,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,432,000 | 166,159,000 | 165,472,000 | 173,331,000 |
| Interest-bearing deposits | 108,536,000 | 112,591,000 | 114,293,000 | 121,742,000 |
| Noninterest-bearing deposits | 53,896,000 | 53,568,000 | 51,178,000 | 51,589,000 |
| Equity capital | 25,779,000 | 26,140,000 | 26,558,000 | 26,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,286,000 | 6,554,000 | 8,880,000 |
| Interest expense | 266,000 | 571,000 | 935,000 | 1,363,000 |
| Net interest income | 1,833,000 | 3,715,000 | 5,619,000 | 7,517,000 |
| Noninterest income | 104,000 | 217,000 | 330,000 | 468,000 |
| Noninterest expense | 1,510,000 | 2,987,000 | 4,397,000 | 6,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 427,000 | 945,000 | 1,552,000 | 1,920,000 |
| Income tax | 62,000 | 137,000 | 248,000 | 307,000 |
| Net income | 365,000 | 808,000 | 1,304,000 | 1,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,077,000 | 26,538,000 | 27,054,000 | 27,384,000 |
| Total capital | 28,049,000 | 28,519,000 | 29,037,000 | 29,369,000 |
| Risk-weighted assets | 157,968,000 | 168,307,000 | 170,621,000 | 169,935,000 |