Call reports 2017
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2017
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 240,157,000 | 250,382,000 | 261,200,000 | 260,610,000 |
| Total loans | 210,566,000 | 220,589,000 | 225,837,000 | 234,688,000 |
| Allowance for loan losses | 3,027,000 | 3,372,000 | 3,520,000 | 3,452,000 |
| Securities available for sale | 11,152,000 | 10,748,000 | 10,247,000 | 9,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,302,000 | 217,413,000 | 227,534,000 | 222,332,000 |
| Interest-bearing deposits | 186,832,000 | 192,107,000 | 205,031,000 | 199,640,000 |
| Noninterest-bearing deposits | 20,470,000 | 25,306,000 | 22,503,000 | 22,692,000 |
| Equity capital | 25,865,000 | 27,122,000 | 27,818,000 | 27,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,116,000 | 6,088,000 | 9,435,000 | 12,731,000 |
| Interest expense | 536,000 | 1,122,000 | 1,783,000 | 2,463,000 |
| Net interest income | 2,580,000 | 4,966,000 | 7,652,000 | 10,268,000 |
| Noninterest income | 190,000 | 1,057,000 | 1,141,000 | 1,409,000 |
| Noninterest expense | 1,605,000 | 3,434,000 | 5,067,000 | 6,988,000 |
| Provision for loan losses | 430,000 | 660,000 | 850,000 | 900,000 |
| Pretax income | 735,000 | 1,929,000 | 2,876,000 | 3,789,000 |
| Income tax | 0 | 0 | 234,000 | 1,137,000 |
| Net income | 735,000 | 1,929,000 | 2,642,000 | 2,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,840,000 | 26,987,000 | 27,747,000 | 27,757,000 |
| Total capital | 28,290,000 | 29,665,000 | 30,505,000 | 30,553,000 |
| Risk-weighted assets | 195,500,000 | 213,566,000 | 219,876,000 | 223,030,000 |