Call reports 2013
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2013
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 74,517,000 | 73,209,000 | 76,961,000 | 81,111,000 |
| Total loans | 48,834,000 | 52,013,000 | 60,782,000 | 66,081,000 |
| Allowance for loan losses | 1,395,000 | 1,371,000 | 1,363,000 | 1,294,000 |
| Securities available for sale | 6,496,000 | 6,083,000 | 5,863,000 | 5,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,453,000 | 50,988,000 | 54,525,000 | 56,481,000 |
| Interest-bearing deposits | 48,690,000 | 47,388,000 | 49,721,000 | 52,020,000 |
| Noninterest-bearing deposits | 3,763,000 | 3,600,000 | 4,804,000 | 4,461,000 |
| Equity capital | 20,790,000 | 20,850,000 | 21,050,000 | 21,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,559,000 | 2,451,000 | 3,380,000 |
| Interest expense | 99,000 | 195,000 | 291,000 | 389,000 |
| Net interest income | 654,000 | 1,364,000 | 2,160,000 | 2,991,000 |
| Noninterest income | 228,000 | 358,000 | 577,000 | 820,000 |
| Noninterest expense | 777,000 | 1,524,000 | 2,337,000 | 3,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 105,000 | 198,000 | 400,000 | 617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 198,000 | 400,000 | 617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,493,000 | 20,586,000 | 20,788,000 | 21,005,000 |
| Total capital | 21,106,000 | 21,187,000 | 21,591,000 | 21,750,000 |
| Risk-weighted assets | 48,254,000 | 47,540,000 | 63,139,000 | 62,083,000 |