Call reports 2009
AMERICAN CITY BANK — 2009
What AMERICAN CITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 223,943,000 | 218,954,000 | 217,753,000 | 224,019,000 |
| Total loans | 161,823,000 | 165,247,000 | 164,077,000 | 166,915,000 |
| Allowance for loan losses | 2,117,000 | 2,345,000 | 2,097,000 | 2,045,000 |
| Securities available for sale | 24,178,000 | 24,579,000 | 22,421,000 | 21,495,000 |
| Securities held to maturity | 6,467,000 | 6,078,000 | 6,075,000 | 6,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,432,000 | 174,830,000 | 170,018,000 | 176,356,000 |
| Interest-bearing deposits | 161,456,000 | 155,599,000 | 149,912,000 | 156,206,000 |
| Noninterest-bearing deposits | 18,976,000 | 19,231,000 | 20,106,000 | 20,150,000 |
| Equity capital | 31,918,000 | 32,388,000 | 33,286,000 | 33,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,863,000 | 5,918,000 | 8,949,000 | 12,034,000 |
| Interest expense | 1,119,000 | 2,198,000 | 3,205,000 | 4,184,000 |
| Net interest income | 1,744,000 | 3,720,000 | 5,744,000 | 7,850,000 |
| Noninterest income | 169,000 | 367,000 | 524,000 | 673,000 |
| Noninterest expense | 1,244,000 | 2,434,000 | 3,680,000 | 5,134,000 |
| Provision for loan losses | 175,000 | 733,000 | 1,098,000 | 1,551,000 |
| Pretax income | 494,000 | 1,004,000 | 1,681,000 | 2,029,000 |
| Income tax | 35,000 | 70,000 | 141,000 | 196,000 |
| Net income | 459,000 | 934,000 | 1,540,000 | 1,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,910,000 | 21,489,000 | 22,198,000 | 22,595,000 |
| Total capital | 22,956,000 | 23,551,000 | 24,267,000 | 24,640,000 |
| Risk-weighted assets | 163,621,000 | 164,650,000 | 165,498,000 | 170,391,000 |