Call reports 2006
AMERICAN CITY BANK — 2006
What AMERICAN CITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 158,455,000 | 159,416,000 | 159,744,000 | 171,165,000 |
| Total loans | 105,672,000 | 106,510,000 | 111,320,000 | 115,063,000 |
| Allowance for loan losses | 1,169,000 | 1,265,000 | 1,253,000 | 1,359,000 |
| Securities available for sale | 27,778,000 | 27,290,000 | 24,965,000 | 24,810,000 |
| Securities held to maturity | 2,908,000 | 2,819,000 | 2,803,000 | 2,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,353,000 | 130,212,000 | 131,081,000 | 135,617,000 |
| Interest-bearing deposits | 113,966,000 | 111,314,000 | 114,721,000 | 117,473,000 |
| Noninterest-bearing deposits | 17,387,000 | 18,898,000 | 16,360,000 | 18,144,000 |
| Equity capital | 25,181,000 | 24,870,000 | 25,903,000 | 26,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,352,000 | 4,837,000 | 7,478,000 | 10,206,000 |
| Interest expense | 986,000 | 2,076,000 | 3,261,000 | 4,548,000 |
| Net interest income | 1,366,000 | 2,761,000 | 4,217,000 | 5,658,000 |
| Noninterest income | 171,000 | 346,000 | 563,000 | 763,000 |
| Noninterest expense | 871,000 | 1,851,000 | 2,697,000 | 3,550,000 |
| Provision for loan losses | 90,000 | 200,000 | 320,000 | 440,000 |
| Pretax income | 576,000 | 1,056,000 | 1,763,000 | 2,431,000 |
| Income tax | 53,000 | 100,000 | 157,000 | 217,000 |
| Net income | 523,000 | 956,000 | 1,606,000 | 2,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,575,000 | 13,618,000 | 14,376,000 | 15,095,000 |
| Total capital | 14,744,000 | 14,883,000 | 15,629,000 | 16,454,000 |
| Risk-weighted assets | 115,211,000 | 114,292,000 | 120,023,000 | 124,005,000 |