Call reports 2011
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2011
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 64,593,000 | 61,044,000 | 53,282,000 | 55,865,000 |
| Total loans | 38,765,000 | 37,012,000 | 33,093,000 | 33,898,000 |
| Allowance for loan losses | 1,611,000 | 1,525,000 | 1,437,000 | 1,392,000 |
| Securities available for sale | 13,784,000 | 12,349,000 | 11,962,000 | 11,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,370,000 | 50,929,000 | 47,711,000 | 50,729,000 |
| Interest-bearing deposits | 49,201,000 | 47,226,000 | 43,901,000 | 47,417,000 |
| Noninterest-bearing deposits | 8,169,000 | 3,703,000 | 3,810,000 | 3,312,000 |
| Equity capital | 6,052,000 | 5,942,000 | 5,255,000 | 4,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,367,000 | 1,916,000 | 2,507,000 |
| Interest expense | 160,000 | 305,000 | 432,000 | 556,000 |
| Net interest income | 564,000 | 1,062,000 | 1,484,000 | 1,951,000 |
| Noninterest income | 19,000 | 136,000 | 262,000 | 218,000 |
| Noninterest expense | 1,111,000 | 2,162,000 | 3,050,000 | 3,999,000 |
| Provision for loan losses | 484,000 | 484,000 | 857,000 | 1,057,000 |
| Pretax income | -1,012,000 | -1,398,000 | -2,111,000 | -2,837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,012,000 | -1,398,000 | -2,111,000 | -2,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,742,000 | 5,555,000 | 4,842,000 | 4,397,000 |
| Total capital | 6,313,000 | 6,149,000 | 5,312,000 | 4,888,000 |
| Risk-weighted assets | 45,865,000 | 46,566,000 | 37,509,000 | 38,073,000 |