Call reports 2021
AMERICAN COMMUNITY BANK — 2021
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 246,428,000 | 243,484,000 | 255,238,000 | 266,884,000 |
| Total loans | 198,083,000 | 189,251,000 | 185,005,000 | 180,813,000 |
| Allowance for loan losses | 2,324,000 | 2,324,000 | 2,389,000 | 2,379,000 |
| Securities available for sale | 17,006,000 | 14,799,000 | 15,618,000 | 14,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,813,000 | 207,074,000 | 218,209,000 | 228,799,000 |
| Interest-bearing deposits | 119,191,000 | 122,857,000 | 124,572,000 | 140,608,000 |
| Noninterest-bearing deposits | 87,622,000 | 84,217,000 | 93,637,000 | 88,191,000 |
| Equity capital | 29,908,000 | 30,770,000 | 31,271,000 | 31,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,411,000 | 4,931,000 | 7,217,000 | 9,718,000 |
| Interest expense | 160,000 | 290,000 | 416,000 | 542,000 |
| Net interest income | 2,251,000 | 4,641,000 | 6,801,000 | 9,176,000 |
| Noninterest income | 683,000 | 811,000 | 951,000 | 1,093,000 |
| Noninterest expense | 1,750,000 | 3,446,000 | 5,242,000 | 7,173,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,184,000 | 2,006,000 | 2,510,000 | 3,096,000 |
| Income tax | 187,000 | 318,000 | 402,000 | 511,000 |
| Net income | 997,000 | 1,688,000 | 2,108,000 | 2,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,958,000 | 30,786,000 | 31,248,000 | 31,803,000 |