Call reports 2022
AMERICAN COMMUNITY BANK — 2022
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 292,018,000 | 281,072,000 | 281,843,000 | 261,900,000 |
| Total loans | 173,233,000 | 175,054,000 | 178,469,000 | 183,790,000 |
| Allowance for loan losses | 2,378,000 | 2,360,000 | 2,358,000 | 2,357,000 |
| Securities available for sale | 19,521,000 | 20,331,000 | 26,003,000 | 27,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,074,000 | 243,838,000 | 245,278,000 | 219,984,000 |
| Interest-bearing deposits | 154,333,000 | 146,741,000 | 146,569,000 | 131,178,000 |
| Noninterest-bearing deposits | 99,741,000 | 97,097,000 | 98,709,000 | 88,806,000 |
| Equity capital | 31,225,000 | 31,251,000 | 30,540,000 | 30,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,585,000 | 5,018,000 | 7,755,000 | 10,752,000 |
| Interest expense | 130,000 | 265,000 | 440,000 | 732,000 |
| Net interest income | 2,455,000 | 4,753,000 | 7,315,000 | 10,020,000 |
| Noninterest income | 145,000 | 319,000 | 480,000 | 639,000 |
| Noninterest expense | 1,925,000 | 3,848,000 | 5,947,000 | 8,169,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 675,000 | 1,224,000 | 1,848,000 | 2,490,000 |
| Income tax | 135,000 | 245,000 | 370,000 | 435,000 |
| Net income | 540,000 | 979,000 | 1,478,000 | 2,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,655,000 | 32,328,000 | 32,870,000 | 33,492,000 |