Call reports 2020
AMERICAN COMMUNITY BANK — 2020
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 217,007,000 | 243,942,000 | 238,636,000 | 237,979,000 |
| Total loans | 175,597,000 | 196,092,000 | 198,818,000 | 197,902,000 |
| Allowance for loan losses | 1,943,000 | 2,093,000 | 2,244,000 | 2,323,000 |
| Securities available for sale | 22,747,000 | 24,220,000 | 23,040,000 | 20,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,219,000 | 204,139,000 | 198,309,000 | 192,624,000 |
| Interest-bearing deposits | 122,785,000 | 123,242,000 | 123,617,000 | 119,836,000 |
| Noninterest-bearing deposits | 57,433,000 | 80,898,000 | 74,693,000 | 72,788,000 |
| Equity capital | 27,743,000 | 28,480,000 | 28,878,000 | 29,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,320,000 | 4,675,000 | 6,979,000 | 9,297,000 |
| Interest expense | 442,000 | 773,000 | 1,053,000 | 1,272,000 |
| Net interest income | 1,878,000 | 3,902,000 | 5,926,000 | 8,025,000 |
| Noninterest income | 130,000 | 211,000 | 319,000 | 434,000 |
| Noninterest expense | 1,738,000 | 3,003,000 | 4,680,000 | 6,482,000 |
| Provision for loan losses | 25,000 | 175,000 | 325,000 | 400,000 |
| Pretax income | 245,000 | 1,024,000 | 1,329,000 | 1,666,000 |
| Income tax | 34,000 | 195,000 | 255,000 | 317,000 |
| Net income | 211,000 | 829,000 | 1,074,000 | 1,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,113,000 | 28,764,000 | 29,036,000 | 29,343,000 |
| Total capital | 30,059,000 | — | — | — |
| Risk-weighted assets | 173,758,000 | — | — | — |