Call reports 2005
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2005
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 23,128,000 | 26,097,000 | 32,058,000 | 36,601,000 |
| Total loans | 12,572,000 | 16,542,000 | 21,652,000 | 24,472,000 |
| Allowance for loan losses | 157,000 | 207,000 | 270,000 | 306,000 |
| Securities available for sale | 1,913,000 | 1,889,000 | 1,817,000 | 2,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,238,000 | 19,253,000 | 25,297,000 | 29,879,000 |
| Interest-bearing deposits | 12,350,000 | 15,430,000 | 21,368,000 | 26,043,000 |
| Noninterest-bearing deposits | 3,888,000 | 3,823,000 | 3,929,000 | 3,836,000 |
| Equity capital | 6,848,000 | 6,740,000 | 6,608,000 | 6,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 582,000 | 1,050,000 | 1,639,000 |
| Interest expense | 69,000 | 166,000 | 314,000 | 526,000 |
| Net interest income | 163,000 | 416,000 | 736,000 | 1,113,000 |
| Noninterest income | 11,000 | 25,000 | 38,000 | 55,000 |
| Noninterest expense | 343,000 | 690,000 | 1,077,000 | 1,458,000 |
| Provision for loan losses | 65,000 | 115,000 | 178,000 | 214,000 |
| Pretax income | -234,000 | -364,000 | -481,000 | -504,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -234,000 | -364,000 | -481,000 | -504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,888,000 | 6,758,000 | 6,643,000 | 6,618,000 |
| Total capital | 7,045,000 | 6,965,000 | 6,914,000 | 6,924,000 |
| Risk-weighted assets | 15,836,000 | 19,113,000 | 23,966,000 | 24,533,000 |
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