Call reports 2019
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2019
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 310,468,000 | 333,557,000 | 339,352,000 | 355,515,000 |
| Total loans | 268,936,000 | 297,065,000 | 291,347,000 | 295,847,000 |
| Allowance for loan losses | 3,971,000 | 4,200,000 | 4,426,000 | 4,543,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,968,000 | 4,982,000 | 4,996,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,166,000 | 275,313,000 | 279,948,000 | 294,506,000 |
| Interest-bearing deposits | 239,426,000 | 247,708,000 | 247,642,000 | 266,732,000 |
| Noninterest-bearing deposits | 24,740,000 | 27,605,000 | 32,306,000 | 27,774,000 |
| Equity capital | 32,193,000 | 38,784,000 | 40,133,000 | 41,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,349,000 | 9,088,000 | 14,094,000 | 19,072,000 |
| Interest expense | 1,223,000 | 2,555,000 | 3,955,000 | 5,351,000 |
| Net interest income | 3,126,000 | 6,533,000 | 10,139,000 | 13,721,000 |
| Noninterest income | 10,000 | 184,000 | 627,000 | 805,000 |
| Noninterest expense | 1,845,000 | 3,733,000 | 5,746,000 | 7,638,000 |
| Provision for loan losses | 160,000 | 388,000 | 613,000 | 763,000 |
| Pretax income | 1,131,000 | 2,596,000 | 4,407,000 | 6,125,000 |
| Income tax | 288,000 | 662,000 | 1,124,000 | 1,491,000 |
| Net income | 843,000 | 1,934,000 | 3,283,000 | 4,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,194,000 | 38,785,000 | 40,134,000 | 41,484,000 |
| Total capital | 35,362,000 | 42,182,000 | 43,460,000 | 45,076,000 |
| Risk-weighted assets | 252,625,000 | 270,964,000 | 264,942,000 | 286,435,000 |