Call reports 2019
AMERICAN COMMUNITY BANK — 2019
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 213,172,000 | 214,207,000 | 225,139,000 | 217,638,000 |
| Total loans | 168,685,000 | 169,842,000 | 168,739,000 | 166,615,000 |
| Allowance for loan losses | 1,984,000 | 1,986,000 | 1,989,000 | 1,916,000 |
| Securities available for sale | 26,299,000 | 23,727,000 | 19,892,000 | 17,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,583,000 | 179,523,000 | 191,471,000 | 186,164,000 |
| Interest-bearing deposits | 124,036,000 | 127,519,000 | 133,517,000 | 129,559,000 |
| Noninterest-bearing deposits | 50,547,000 | 52,004,000 | 57,954,000 | 56,605,000 |
| Equity capital | 26,949,000 | 27,491,000 | 27,751,000 | 27,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,338,000 | 4,684,000 | 7,064,000 | 9,382,000 |
| Interest expense | 464,000 | 1,003,000 | 1,559,000 | 2,061,000 |
| Net interest income | 1,874,000 | 3,681,000 | 5,505,000 | 7,321,000 |
| Noninterest income | 114,000 | 266,000 | 402,000 | 540,000 |
| Noninterest expense | 1,552,000 | 3,122,000 | 4,778,000 | 6,522,000 |
| Provision for loan losses | 0 | 0 | 0 | -75,000 |
| Pretax income | 436,000 | 825,000 | 1,129,000 | 1,414,000 |
| Income tax | 61,000 | 124,000 | 189,000 | 228,000 |
| Net income | 375,000 | 701,000 | 940,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,326,000 | 27,692,000 | 27,960,000 | 28,191,000 |
| Total capital | 29,313,000 | 29,681,000 | 29,951,000 | 30,110,000 |
| Risk-weighted assets | 174,745,000 | 172,219,000 | 169,754,000 | 166,010,000 |