Call reports 2007
AMERICAN CITY BANK — 2007
What AMERICAN CITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 171,511,000 | 171,838,000 | 170,385,000 | 183,047,000 |
| Total loans | 118,508,000 | 115,634,000 | 118,898,000 | 126,702,000 |
| Allowance for loan losses | 1,388,000 | 1,402,000 | 1,434,000 | 1,499,000 |
| Securities available for sale | 21,636,000 | 23,034,000 | 24,961,000 | 25,899,000 |
| Securities held to maturity | 2,789,000 | 3,241,000 | 3,947,000 | 3,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,660,000 | 142,872,000 | 140,672,000 | 152,405,000 |
| Interest-bearing deposits | 125,929,000 | 125,936,000 | 120,646,000 | 133,357,000 |
| Noninterest-bearing deposits | 16,731,000 | 16,935,000 | 20,026,000 | 19,048,000 |
| Equity capital | 26,924,000 | 27,226,000 | 27,886,000 | 28,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,801,000 | 5,627,000 | 8,502,000 | 11,429,000 |
| Interest expense | 1,366,000 | 2,745,000 | 4,123,000 | 5,468,000 |
| Net interest income | 1,435,000 | 2,882,000 | 4,379,000 | 5,961,000 |
| Noninterest income | 176,000 | 349,000 | 509,000 | 698,000 |
| Noninterest expense | 852,000 | 1,726,000 | 2,690,000 | 3,673,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 639,000 | 1,265,000 | 1,838,000 | 2,506,000 |
| Income tax | 58,000 | 120,000 | 190,000 | 262,000 |
| Net income | 581,000 | 1,145,000 | 1,648,000 | 2,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,485,000 | 16,159,000 | 16,822,000 | 17,495,000 |
| Total capital | 16,873,000 | 17,561,000 | 18,256,000 | 18,994,000 |
| Risk-weighted assets | 126,054,000 | 124,081,000 | 123,222,000 | 134,178,000 |