Call reports 2014
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2014
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,135,000 | 88,364,000 | 91,650,000 | 102,591,000 |
| Total loans | 69,675,000 | 71,872,000 | 76,474,000 | 85,226,000 |
| Allowance for loan losses | 1,300,000 | 1,239,000 | 1,220,000 | 1,255,000 |
| Securities available for sale | 5,441,000 | 5,172,000 | 5,066,000 | 4,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,351,000 | 63,422,000 | 66,342,000 | 72,650,000 |
| Interest-bearing deposits | 58,001,000 | 57,421,000 | 61,127,000 | 66,126,000 |
| Noninterest-bearing deposits | 6,350,000 | 6,001,000 | 5,215,000 | 6,524,000 |
| Equity capital | 21,489,000 | 21,704,000 | 22,014,000 | 22,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 1,996,000 | 3,067,000 | 4,229,000 |
| Interest expense | 100,000 | 207,000 | 322,000 | 451,000 |
| Net interest income | 901,000 | 1,789,000 | 2,745,000 | 3,778,000 |
| Noninterest income | 138,000 | 283,000 | 470,000 | 661,000 |
| Noninterest expense | 768,000 | 1,569,000 | 2,417,000 | 3,350,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 0 |
| Pretax income | 251,000 | 483,000 | 778,000 | 1,089,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 251,000 | 483,000 | 778,000 | 1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,257,000 | 21,488,000 | 21,780,000 | 22,088,000 |
| Total capital | 22,129,000 | 22,371,000 | 22,727,000 | 23,157,000 |
| Risk-weighted assets | 69,395,000 | 70,641,000 | 75,459,000 | 85,411,000 |