Call reports 2002
AMERICAN CITY BANK — 2002
What AMERICAN CITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 120,844,000 | 122,275,000 | 115,656,000 | 118,726,000 |
| Total loans | 77,287,000 | 77,875,000 | 78,740,000 | 80,641,000 |
| Allowance for loan losses | 529,000 | 590,000 | 617,000 | 615,000 |
| Securities available for sale | 20,162,000 | 18,780,000 | 14,275,000 | 19,030,000 |
| Securities held to maturity | 3,000,000 | 2,872,000 | 2,592,000 | 2,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,072,000 | 111,186,000 | 104,342,000 | 107,348,000 |
| Interest-bearing deposits | 95,490,000 | 94,407,000 | 88,530,000 | 90,294,000 |
| Noninterest-bearing deposits | 14,582,000 | 16,779,000 | 15,812,000 | 17,054,000 |
| Equity capital | 8,459,000 | 8,799,000 | 8,971,000 | 9,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,823,000 | 3,632,000 | 5,376,000 | 7,110,000 |
| Interest expense | 760,000 | 1,482,000 | 2,171,000 | 2,824,000 |
| Net interest income | 1,063,000 | 2,150,000 | 3,205,000 | 4,286,000 |
| Noninterest income | 148,000 | 312,000 | 476,000 | 624,000 |
| Noninterest expense | 780,000 | 1,573,000 | 2,345,000 | 3,145,000 |
| Provision for loan losses | 30,000 | 160,000 | 190,000 | 220,000 |
| Pretax income | 401,000 | 749,000 | 1,209,000 | 1,659,000 |
| Income tax | 29,000 | 55,000 | 91,000 | 130,000 |
| Net income | 372,000 | 694,000 | 1,118,000 | 1,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,702,000 | 8,694,000 | 8,869,000 | 8,990,000 |
| Total capital | 9,231,000 | 9,284,000 | 9,486,000 | 9,605,000 |
| Risk-weighted assets | 85,128,000 | 84,583,000 | 83,625,000 | 88,589,000 |