Call reports 2001
AMERICAN CITY BANK — 2001
What AMERICAN CITY 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 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 91,398,000 | 98,135,000 | 101,766,000 | 119,291,000 |
| Total loans | 68,257,000 | 74,978,000 | 71,071,000 | 74,501,000 |
| Allowance for loan losses | 516,000 | 514,000 | 520,000 | 531,000 |
| Securities available for sale | 7,029,000 | 8,546,000 | 10,731,000 | 16,370,000 |
| Securities held to maturity | 4,926,000 | 3,236,000 | 3,025,000 | 3,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,373,000 | 87,306,000 | 90,725,000 | 108,399,000 |
| Interest-bearing deposits | 66,670,000 | 73,069,000 | 77,159,000 | 93,857,000 |
| Noninterest-bearing deposits | 14,703,000 | 14,237,000 | 13,566,000 | 14,542,000 |
| Equity capital | 8,382,000 | 8,473,000 | 8,595,000 | 8,453,000 |
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 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,603,000 | 5,404,000 | 7,223,000 |
| Interest expense | 900,000 | 1,738,000 | 2,577,000 | 3,382,000 |
| Net interest income | 895,000 | 1,865,000 | 2,827,000 | 3,841,000 |
| Noninterest income | 109,000 | 210,000 | 347,000 | 498,000 |
| Noninterest expense | 651,000 | 1,366,000 | 2,137,000 | 2,919,000 |
| Provision for loan losses | 25,000 | 40,000 | 55,000 | 220,000 |
| Pretax income | 328,000 | 669,000 | 1,088,000 | 1,306,000 |
| Income tax | 7,000 | 12,000 | 58,000 | 94,000 |
| Net income | 321,000 | 657,000 | 1,030,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,248,000 | 8,372,000 | 8,534,000 | 8,490,000 |
| Total capital | 8,764,000 | 8,886,000 | 9,054,000 | 9,021,000 |
| Risk-weighted assets | 72,345,000 | 79,816,000 | 77,237,000 | 82,278,000 |