Call reports 2001
AMERICAN COMMUNITY BANK — 2001
What AMERICAN COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Total assets | 143,306,000 | 143,106,000 | 156,617,000 |
| Total loans | 107,846,000 | 106,922,000 | 110,683,000 |
| Allowance for loan losses | 1,262,000 | 1,297,000 | 1,298,000 |
| Securities available for sale | 7,422,000 | 9,723,000 | 10,584,000 |
| Securities held to maturity | 18,741,000 | 17,693,000 | 18,262,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 116,776,000 | 116,275,000 | 128,281,000 |
| Interest-bearing deposits | 107,957,000 | 108,045,000 | 117,783,000 |
| Noninterest-bearing deposits | 8,819,000 | 8,230,000 | 10,498,000 |
| Equity capital | 11,871,000 | 12,357,000 | 13,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Interest income | 2,686,000 | 5,337,000 | 7,970,000 |
| Interest expense | 1,656,000 | 3,270,000 | 4,815,000 |
| Net interest income | 1,030,000 | 2,067,000 | 3,155,000 |
| Noninterest income | 197,000 | 426,000 | 667,000 |
| Noninterest expense | 563,000 | 1,311,000 | 1,859,000 |
| Provision for loan losses | 52,000 | 87,000 | 107,000 |
| Pretax income | 612,000 | 1,095,000 | 1,856,000 |
| Income tax | 199,000 | 354,000 | 603,000 |
| Net income | 413,000 | 741,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Tier 1 capital | 11,783,000 | 12,269,000 | 13,361,000 |
| Total capital | 13,045,000 | 13,566,000 | 14,659,000 |
| Risk-weighted assets | 107,215,000 | 106,791,000 | 113,002,000 |