Call reports 2018
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2018
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 269,221,000 | 269,100,000 | 294,978,000 | 298,833,000 |
| Total loans | 235,900,000 | 243,660,000 | 249,920,000 | 264,500,000 |
| Allowance for loan losses | 3,504,000 | 3,603,000 | 3,683,000 | 3,847,000 |
| Securities available for sale | 9,121,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 4,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,938,000 | 221,027,000 | 248,657,000 | 258,436,000 |
| Interest-bearing deposits | 203,494,000 | 200,023,000 | 224,498,000 | 235,346,000 |
| Noninterest-bearing deposits | 22,444,000 | 21,004,000 | 24,159,000 | 23,090,000 |
| Equity capital | 28,731,000 | 29,355,000 | 30,241,000 | 31,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,495,000 | 6,873,000 | 10,746,000 | 14,914,000 |
| Interest expense | 692,000 | 1,442,000 | 2,437,000 | 3,577,000 |
| Net interest income | 2,803,000 | 5,431,000 | 8,309,000 | 11,337,000 |
| Noninterest income | 546,000 | 805,000 | 943,000 | 1,183,000 |
| Noninterest expense | 1,879,000 | 3,729,000 | 5,410,000 | 7,239,000 |
| Provision for loan losses | 0 | 111,000 | 236,000 | 336,000 |
| Pretax income | 1,470,000 | 2,196,000 | 3,406,000 | 4,745,000 |
| Income tax | 402,000 | 598,000 | 921,000 | 1,151,000 |
| Net income | 1,068,000 | 1,598,000 | 2,485,000 | 3,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,825,000 | 29,356,000 | 30,242,000 | 31,351,000 |
| Total capital | 31,614,000 | 32,155,000 | 33,173,000 | 34,506,000 |
| Risk-weighted assets | 222,390,000 | 223,082,000 | 233,740,000 | 251,701,000 |