Call reports 2006
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2006
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 42,748,000 | 42,129,000 | 44,411,000 | 49,223,000 |
| Total loans | 27,311,000 | 29,600,000 | 30,240,000 | 30,123,000 |
| Allowance for loan losses | 341,000 | 370,000 | 434,000 | 511,000 |
| Securities available for sale | 3,662,000 | 3,983,000 | 4,447,000 | 5,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,052,000 | 35,347,000 | 37,357,000 | 42,007,000 |
| Interest-bearing deposits | 31,371,000 | 31,255,000 | 33,393,000 | 37,800,000 |
| Noninterest-bearing deposits | 4,681,000 | 4,092,000 | 3,964,000 | 4,207,000 |
| Equity capital | 6,535,000 | 6,525,000 | 6,725,000 | 6,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 678,000 | 1,472,000 | 2,280,000 | 3,167,000 |
| Interest expense | 259,000 | 566,000 | 922,000 | 1,342,000 |
| Net interest income | 419,000 | 906,000 | 1,358,000 | 1,825,000 |
| Noninterest income | 18,000 | 32,000 | 176,000 | 282,000 |
| Noninterest expense | 410,000 | 833,000 | 1,265,000 | 1,712,000 |
| Provision for loan losses | 35,000 | 64,000 | 128,000 | 205,000 |
| Pretax income | -8,000 | 41,000 | 141,000 | 190,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -8,000 | 41,000 | 141,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,610,000 | 6,659,000 | 6,759,000 | 6,809,000 |
| Total capital | 6,951,000 | 7,029,000 | 7,175,000 | 7,208,000 |
| Risk-weighted assets | 28,972,000 | 31,866,000 | 33,245,000 | 31,826,000 |
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