Call reports 2003
AMERICAN CITY BANK — 2003
What AMERICAN CITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 117,475,000 | 119,123,000 | 116,893,000 | 125,830,000 |
| Total loans | 81,383,000 | 82,613,000 | 87,049,000 | 85,079,000 |
| Allowance for loan losses | 610,000 | 614,000 | 620,000 | 653,000 |
| Securities available for sale | 15,049,000 | 8,534,000 | 16,967,000 | 18,103,000 |
| Securities held to maturity | 1,846,000 | 1,408,000 | 1,376,000 | 1,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,049,000 | 108,317,000 | 106,048,000 | 114,935,000 |
| Interest-bearing deposits | 90,376,000 | 90,989,000 | 88,517,000 | 96,147,000 |
| Noninterest-bearing deposits | 15,673,000 | 17,328,000 | 17,531,000 | 18,788,000 |
| Equity capital | 9,166,000 | 9,266,000 | 9,292,000 | 9,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,426,000 | 5,082,000 | 6,786,000 |
| Interest expense | 606,000 | 1,191,000 | 1,752,000 | 2,290,000 |
| Net interest income | 1,128,000 | 2,235,000 | 3,330,000 | 4,496,000 |
| Noninterest income | 141,000 | 272,000 | 432,000 | 574,000 |
| Noninterest expense | 832,000 | 1,688,000 | 2,514,000 | 3,336,000 |
| Provision for loan losses | 80,000 | 130,000 | 190,000 | 250,000 |
| Pretax income | 392,000 | 723,000 | 1,093,000 | 1,519,000 |
| Income tax | 34,000 | 65,000 | 98,000 | 134,000 |
| Net income | 358,000 | 658,000 | 995,000 | 1,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,117,000 | 9,228,000 | 9,314,000 | 9,454,000 |
| Total capital | 9,727,000 | 9,842,000 | 9,934,000 | 10,107,000 |
| Risk-weighted assets | 86,228,000 | 87,954,000 | 91,218,000 | 91,259,000 |