Call reports 2009
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2009
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,164,000 | 70,698,000 | 72,046,000 | 70,075,000 |
| Total loans | 54,792,000 | 53,397,000 | 52,191,000 | 49,775,000 |
| Allowance for loan losses | 1,193,000 | 1,527,000 | 1,637,000 | 1,848,000 |
| Securities available for sale | 4,532,000 | 4,146,000 | 3,894,000 | 3,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,476,000 | 61,788,000 | 64,538,000 | 62,215,000 |
| Interest-bearing deposits | 53,872,000 | 55,005,000 | 57,472,000 | 54,220,000 |
| Noninterest-bearing deposits | 5,604,000 | 6,783,000 | 7,066,000 | 7,995,000 |
| Equity capital | 5,286,000 | 4,347,000 | 3,093,000 | 7,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 933,000 | 1,841,000 | 2,661,000 | 3,407,000 |
| Interest expense | 449,000 | 880,000 | 1,275,000 | 1,733,000 |
| Net interest income | 484,000 | 961,000 | 1,386,000 | 1,674,000 |
| Noninterest income | 84,000 | 245,000 | 243,000 | 355,000 |
| Noninterest expense | 616,000 | 1,259,000 | 1,979,000 | 3,168,000 |
| Provision for loan losses | 844,000 | 1,838,000 | 2,830,000 | 4,231,000 |
| Pretax income | -892,000 | -1,891,000 | -3,180,000 | -5,370,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -892,000 | -1,891,000 | -3,180,000 | -5,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,114,000 | 4,214,000 | 2,925,000 | 7,135,000 |
| Total capital | 5,809,000 | 4,905,000 | 3,594,000 | 7,765,000 |
| Risk-weighted assets | 54,760,000 | 54,468,000 | 52,538,000 | 49,130,000 |