Call reports 2015
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2015
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 108,971,000 | 167,123,000 | 181,701,000 | 178,585,000 |
| Total loans | 91,356,000 | 132,720,000 | 141,372,000 | 141,089,000 |
| Allowance for loan losses | 1,305,000 | 1,392,000 | 1,738,000 | 1,826,000 |
| Securities available for sale | 4,490,000 | 16,732,000 | 15,119,000 | 14,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,944,000 | 119,425,000 | 147,356,000 | 146,768,000 |
| Interest-bearing deposits | 71,208,000 | 106,708,000 | 133,437,000 | 132,680,000 |
| Noninterest-bearing deposits | 7,736,000 | 12,717,000 | 13,919,000 | 14,088,000 |
| Equity capital | 22,591,000 | 22,289,000 | 22,753,000 | 23,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,253,000 | 2,830,000 | 5,003,000 | 7,095,000 |
| Interest expense | 155,000 | 354,000 | 698,000 | 1,059,000 |
| Net interest income | 1,098,000 | 2,476,000 | 4,305,000 | 6,036,000 |
| Noninterest income | 167,000 | 471,000 | 757,000 | 1,476,000 |
| Noninterest expense | 922,000 | 2,736,000 | 4,427,000 | 6,345,000 |
| Provision for loan losses | 45,000 | 90,000 | 205,000 | 235,000 |
| Pretax income | 298,000 | 121,000 | 435,000 | 938,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 298,000 | 121,000 | 435,000 | 936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,392,000 | 22,215,000 | 22,530,000 | 23,031,000 |
| Total capital | 23,556,000 | 23,607,000 | 24,268,000 | 24,772,000 |
| Risk-weighted assets | 92,841,000 | 136,583,000 | 140,375,000 | 139,218,000 |