Call reports 2021
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2021
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 406,300,000 | 422,024,000 | 421,058,000 | 424,857,000 |
| Total loans | 325,869,000 | 348,445,000 | 341,816,000 | 337,261,000 |
| Allowance for loan losses | 5,905,000 | 6,255,000 | 6,500,000 | 6,647,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,827,000 | 354,206,000 | 352,034,000 | 348,655,000 |
| Interest-bearing deposits | 288,875,000 | 306,921,000 | 291,633,000 | 299,434,000 |
| Noninterest-bearing deposits | 50,952,000 | 47,285,000 | 60,401,000 | 49,221,000 |
| Equity capital | 47,026,000 | 48,684,000 | 50,215,000 | 51,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,823,000 | 9,919,000 | 15,015,000 | 19,907,000 |
| Interest expense | 842,000 | 1,591,000 | 2,276,000 | 2,860,000 |
| Net interest income | 3,981,000 | 8,328,000 | 12,739,000 | 17,047,000 |
| Noninterest income | 418,000 | 1,036,000 | 1,215,000 | 1,424,000 |
| Noninterest expense | 2,065,000 | 4,454,000 | 6,640,000 | 8,907,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,000,000 | 1,150,000 |
| Pretax income | 2,034,000 | 4,260,000 | 6,314,000 | 8,414,000 |
| Income tax | 519,000 | 1,086,000 | 1,610,000 | 2,042,000 |
| Net income | 1,515,000 | 3,174,000 | 4,704,000 | 6,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,027,000 | 48,685,000 | 50,216,000 | 51,884,000 |
| Total capital | 50,816,000 | 52,782,000 | 54,404,000 | 55,999,000 |
| Risk-weighted assets | 301,007,000 | 325,634,000 | 332,706,000 | 326,628,000 |