Call reports 2010
AMERICAN CITY BANK — 2010
What AMERICAN CITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 228,748,000 | 227,018,000 | 233,244,000 | 238,612,000 |
| Total loans | 166,005,000 | 168,613,000 | 177,103,000 | 179,223,000 |
| Allowance for loan losses | 2,226,000 | 2,068,000 | 2,172,000 | 3,275,000 |
| Securities available for sale | 30,470,000 | 30,294,000 | 28,881,000 | 26,395,000 |
| Securities held to maturity | 6,067,000 | 6,063,000 | 6,059,000 | 6,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,592,000 | 176,945,000 | 175,308,000 | 188,253,000 |
| Interest-bearing deposits | 162,455,000 | 157,038,000 | 154,480,000 | 165,959,000 |
| Noninterest-bearing deposits | 18,137,000 | 19,907,000 | 20,828,000 | 22,294,000 |
| Equity capital | 34,046,000 | 35,237,000 | 35,976,000 | 33,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 6,197,000 | 9,408,000 | 12,698,000 |
| Interest expense | 948,000 | 1,853,000 | 2,730,000 | 3,551,000 |
| Net interest income | 2,104,000 | 4,344,000 | 6,678,000 | 9,147,000 |
| Noninterest income | 182,000 | 368,000 | 499,000 | 644,000 |
| Noninterest expense | 1,253,000 | 2,547,000 | 3,841,000 | 5,158,000 |
| Provision for loan losses | 581,000 | 896,000 | 1,296,000 | 3,626,000 |
| Pretax income | 452,000 | 1,269,000 | 2,040,000 | 1,007,000 |
| Income tax | 68,000 | 134,000 | 207,000 | 68,000 |
| Net income | 384,000 | 1,135,000 | 1,833,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,081,000 | 23,934,000 | 24,735,000 | 23,182,000 |
| Total capital | 25,217,000 | 26,002,000 | 26,907,000 | 25,464,000 |
| Risk-weighted assets | 170,786,000 | 174,556,000 | 180,069,000 | 181,556,000 |