Call reports 2016
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2016
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 200,542,000 | 211,161,000 | 225,865,000 | 228,964,000 |
| Total loans | 165,439,000 | 173,958,000 | 182,747,000 | 193,415,000 |
| Allowance for loan losses | 1,939,000 | 2,188,000 | 2,344,000 | 2,555,000 |
| Securities available for sale | 14,158,000 | 13,592,000 | 12,824,000 | 11,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,567,000 | 178,307,000 | 188,267,000 | 193,688,000 |
| Interest-bearing deposits | 152,696,000 | 162,860,000 | 164,314,000 | 172,883,000 |
| Noninterest-bearing deposits | 15,871,000 | 15,447,000 | 23,953,000 | 20,805,000 |
| Equity capital | 23,420,000 | 24,132,000 | 24,696,000 | 25,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,223,000 | 4,764,000 | 7,416,000 | 10,136,000 |
| Interest expense | 383,000 | 801,000 | 1,265,000 | 1,764,000 |
| Net interest income | 1,840,000 | 3,963,000 | 6,151,000 | 8,372,000 |
| Noninterest income | 173,000 | 541,000 | 712,000 | 1,187,000 |
| Noninterest expense | 1,657,000 | 3,395,000 | 5,082,000 | 7,030,000 |
| Provision for loan losses | 90,000 | 205,000 | 320,000 | 455,000 |
| Pretax income | 266,000 | 904,000 | 1,461,000 | 2,074,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 266,000 | 904,000 | 1,461,000 | 2,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,297,000 | 23,934,000 | 24,492,000 | 25,105,000 |
| Total capital | 25,236,000 | 26,087,000 | 26,746,000 | 27,464,000 |
| Risk-weighted assets | 163,407,000 | 172,195,000 | 180,202,000 | 188,494,000 |