Call reports 2005
AMERICAN CITY BANK — 2005
What AMERICAN CITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 152,947,000 | 148,878,000 | 147,784,000 | 155,934,000 |
| Total loans | 97,452,000 | 99,484,000 | 99,592,000 | 100,607,000 |
| Allowance for loan losses | 806,000 | 1,077,000 | 1,047,000 | 1,086,000 |
| Securities available for sale | 23,131,000 | 24,243,000 | 24,021,000 | 24,619,000 |
| Securities held to maturity | 1,172,000 | 1,467,000 | 1,855,000 | 2,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,286,000 | 124,843,000 | 122,427,000 | 129,343,000 |
| Interest-bearing deposits | 107,158,000 | 102,809,000 | 98,902,000 | 104,410,000 |
| Noninterest-bearing deposits | 21,128,000 | 22,034,000 | 23,525,000 | 24,933,000 |
| Equity capital | 23,225,000 | 22,571,000 | 23,571,000 | 24,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,891,000 | 6,014,000 | 8,275,000 |
| Interest expense | 683,000 | 1,436,000 | 2,225,000 | 3,067,000 |
| Net interest income | 1,190,000 | 2,455,000 | 3,789,000 | 5,208,000 |
| Noninterest income | 162,000 | 343,000 | 532,000 | 748,000 |
| Noninterest expense | 883,000 | 1,796,000 | 2,639,000 | 3,530,000 |
| Provision for loan losses | 90,000 | 405,000 | 495,000 | 585,000 |
| Pretax income | 379,000 | 597,000 | 1,187,000 | 1,841,000 |
| Income tax | 55,000 | 79,000 | 134,000 | 190,000 |
| Net income | 324,000 | 518,000 | 1,053,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,326,000 | 11,592,000 | 12,235,000 | 12,943,000 |
| Total capital | 13,132,000 | 12,669,000 | 13,282,000 | 14,029,000 |
| Risk-weighted assets | 105,873,000 | 106,755,000 | 106,930,000 | 109,005,000 |