Call reports 2011
ACB BANK — 2011
What ACB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 69,306,000 | 69,343,000 | 68,104,000 | 68,961,000 |
| Total loans | 43,953,000 | 41,323,000 | 42,139,000 | 44,186,000 |
| Allowance for loan losses | 830,000 | 906,000 | 943,000 | 999,000 |
| Securities available for sale | 17,399,000 | 17,484,000 | 20,093,000 | 19,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,841,000 | 60,480,000 | 58,490,000 | 55,399,000 |
| Interest-bearing deposits | 52,816,000 | 51,198,000 | 48,203,000 | 45,493,000 |
| Noninterest-bearing deposits | 8,025,000 | 9,282,000 | 10,287,000 | 9,906,000 |
| Equity capital | 5,309,000 | 5,713,000 | 6,334,000 | 6,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,659,000 | 2,513,000 | 3,442,000 |
| Interest expense | 239,000 | 437,000 | 607,000 | 743,000 |
| Net interest income | 561,000 | 1,222,000 | 1,906,000 | 2,699,000 |
| Noninterest income | 106,000 | 215,000 | 326,000 | 136,000 |
| Noninterest expense | 438,000 | 891,000 | 1,307,000 | 1,828,000 |
| Provision for loan losses | 30,000 | 80,000 | 110,000 | 190,000 |
| Pretax income | 199,000 | 507,000 | 892,000 | 919,000 |
| Income tax | 0 | 13,000 | 13,000 | 13,000 |
| Net income | 199,000 | 494,000 | 879,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,138,000 | 5,443,000 | 5,839,000 | 5,778,000 |
| Total capital | 5,713,000 | 5,991,000 | 6,403,000 | 6,366,000 |
| Risk-weighted assets | 45,860,000 | 43,463,000 | 44,767,000 | 46,633,000 |