Call reports 2022
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2022
What AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 430,395,000 | 435,638,000 | 470,888,000 | 484,526,000 |
| Total loans | 344,392,000 | 388,221,000 | 407,907,000 | 393,345,000 |
| Allowance for loan losses | 6,825,000 | 7,150,000 | 7,636,000 | 7,846,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,096,000 | 364,730,000 | 398,386,000 | 407,207,000 |
| Interest-bearing deposits | 297,719,000 | 309,811,000 | 345,827,000 | 357,920,000 |
| Noninterest-bearing deposits | 57,377,000 | 54,919,000 | 52,559,000 | 49,287,000 |
| Equity capital | 53,562,000 | 55,295,000 | 56,837,000 | 58,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,888,000 | 10,466,000 | 16,277,000 | 22,862,000 |
| Interest expense | 493,000 | 969,000 | 1,739,000 | 3,170,000 |
| Net interest income | 4,395,000 | 9,497,000 | 14,538,000 | 19,692,000 |
| Noninterest income | 438,000 | 636,000 | 790,000 | 959,000 |
| Noninterest expense | 2,459,000 | 5,127,000 | 7,714,000 | 10,381,000 |
| Provision for loan losses | 125,000 | 450,000 | 970,000 | 1,245,000 |
| Pretax income | 2,249,000 | 4,556,000 | 6,644,000 | 9,025,000 |
| Income tax | 570,000 | 1,144,000 | 1,689,000 | 2,150,000 |
| Net income | 1,679,000 | 3,412,000 | 4,955,000 | 6,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,563,000 | 55,296,000 | 56,838,000 | 58,759,000 |
| Total capital | 57,953,000 | 60,151,000 | 61,950,000 | 63,724,000 |
| Risk-weighted assets | 348,752,000 | 386,117,000 | 406,452,000 | 394,337,000 |