Call reports 2008
AMERICAN CITY BANK — 2008
What AMERICAN CITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 188,980,000 | 198,930,000 | 205,087,000 | 212,323,000 |
| Total loans | 143,781,000 | 153,257,000 | 157,078,000 | 158,061,000 |
| Allowance for loan losses | 1,653,000 | 1,442,000 | 1,549,000 | 2,012,000 |
| Securities available for sale | 17,731,000 | 16,927,000 | 16,740,000 | 19,061,000 |
| Securities held to maturity | 4,259,000 | 4,209,000 | 5,729,000 | 6,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,210,000 | 157,905,000 | 162,632,000 | 169,523,000 |
| Interest-bearing deposits | 135,574,000 | 138,141,000 | 142,027,000 | 148,974,000 |
| Noninterest-bearing deposits | 18,636,000 | 19,764,000 | 20,606,000 | 20,550,000 |
| Equity capital | 29,844,000 | 30,135,000 | 30,743,000 | 31,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,006,000 | 5,957,000 | 9,046,000 | 12,062,000 |
| Interest expense | 1,200,000 | 2,289,000 | 3,520,000 | 4,760,000 |
| Net interest income | 1,806,000 | 3,668,000 | 5,526,000 | 7,302,000 |
| Noninterest income | 180,000 | 360,000 | 495,000 | 606,000 |
| Noninterest expense | 902,000 | 1,874,000 | 3,093,000 | 4,128,000 |
| Provision for loan losses | 150,000 | 300,000 | 600,000 | 1,300,000 |
| Pretax income | 934,000 | 1,831,000 | 2,406,000 | 2,584,000 |
| Income tax | 81,000 | 135,000 | 123,000 | 150,000 |
| Net income | 853,000 | 1,696,000 | 2,283,000 | 2,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,427,000 | 19,350,000 | 20,126,000 | 20,348,000 |
| Total capital | 20,080,000 | 20,792,000 | 21,675,000 | 22,351,000 |
| Risk-weighted assets | 148,257,000 | 157,667,000 | 160,546,000 | 160,263,000 |