Call reports 2012
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2012
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 59,163,000 | 56,947,000 | 73,558,000 | 71,899,000 |
| Total loans | 33,640,000 | 33,609,000 | 37,996,000 | 46,614,000 |
| Allowance for loan losses | 1,384,000 | 1,385,000 | 1,377,000 | 1,388,000 |
| Securities available for sale | 11,037,000 | 10,685,000 | 10,170,000 | 9,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,531,000 | 52,437,000 | 50,484,000 | 49,878,000 |
| Interest-bearing deposits | 51,086,000 | 48,702,000 | 46,488,000 | 46,073,000 |
| Noninterest-bearing deposits | 3,445,000 | 3,735,000 | 3,996,000 | 3,805,000 |
| Equity capital | 4,295,000 | 4,063,000 | 21,762,000 | 20,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,194,000 | 1,794,000 | 2,521,000 |
| Interest expense | 124,000 | 243,000 | 349,000 | 450,000 |
| Net interest income | 488,000 | 951,000 | 1,445,000 | 2,071,000 |
| Noninterest income | -133,000 | -35,000 | -964,000 | -1,290,000 |
| Noninterest expense | 803,000 | 1,602,000 | 2,480,000 | 3,604,000 |
| Provision for loan losses | 0 | 0 | 0 | 267,000 |
| Pretax income | -448,000 | -686,000 | -1,999,000 | -3,090,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -448,000 | -686,000 | -1,999,000 | -3,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,949,000 | 3,711,000 | 21,398,000 | 20,389,000 |
| Total capital | 4,458,000 | 4,186,000 | 21,977,000 | 21,025,000 |
| Risk-weighted assets | 40,013,000 | 37,350,000 | 46,072,000 | 49,954,000 |