Call reports 2004
AMERICAN CITY BANK — 2004
What AMERICAN CITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 132,494,000 | 143,400,000 | 138,017,000 | 145,017,000 |
| Total loans | 88,488,000 | 90,331,000 | 91,662,000 | 95,355,000 |
| Allowance for loan losses | 660,000 | 682,000 | 689,000 | 714,000 |
| Securities available for sale | 18,003,000 | 20,118,000 | 20,308,000 | 20,525,000 |
| Securities held to maturity | 1,224,000 | 1,253,000 | 1,183,000 | 1,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,336,000 | 119,748,000 | 113,625,000 | 120,319,000 |
| Interest-bearing deposits | 104,503,000 | 96,510,000 | 91,425,000 | 96,869,000 |
| Noninterest-bearing deposits | 16,833,000 | 23,238,000 | 22,200,000 | 23,450,000 |
| Equity capital | 9,776,000 | 22,065,000 | 22,784,000 | 23,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,611,000 | 525,000 | 2,328,000 | 4,121,000 |
| Interest expense | 538,000 | 183,000 | 737,000 | 1,339,000 |
| Net interest income | 1,073,000 | 342,000 | 1,591,000 | 2,782,000 |
| Noninterest income | 300,000 | 77,000 | 294,000 | 678,000 |
| Noninterest expense | 786,000 | 473,000 | 1,425,000 | 2,223,000 |
| Provision for loan losses | 110,000 | 20,000 | 120,000 | 245,000 |
| Pretax income | 477,000 | -74,000 | 340,000 | 997,000 |
| Income tax | 33,000 | -14,000 | 32,000 | 82,000 |
| Net income | 444,000 | -60,000 | 308,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,723,000 | 10,699,000 | 11,179,000 | 11,893,000 |
| Total capital | 10,383,000 | 11,381,000 | 11,868,000 | 12,607,000 |
| Risk-weighted assets | 94,958,000 | 97,369,000 | 97,979,000 | 101,741,000 |