Call reports 2011
AMERICAN CITY BANK — 2011
What AMERICAN CITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 241,715,000 | 234,079,000 | 232,531,000 | 240,817,000 |
| Total loans | 180,168,000 | 176,172,000 | 180,970,000 | 181,110,000 |
| Allowance for loan losses | 3,798,000 | 2,174,000 | 2,494,000 | 2,277,000 |
| Securities available for sale | 27,484,000 | 28,165,000 | 24,896,000 | 22,926,000 |
| Securities held to maturity | 5,654,000 | 5,651,000 | 5,650,000 | 5,647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,407,000 | 184,067,000 | 178,239,000 | 190,564,000 |
| Interest-bearing deposits | 171,279,000 | 162,785,000 | 156,305,000 | 163,724,000 |
| Noninterest-bearing deposits | 22,128,000 | 21,282,000 | 21,934,000 | 26,840,000 |
| Equity capital | 34,601,000 | 35,133,000 | 35,531,000 | 35,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,197,000 | 6,405,000 | 9,561,000 | 12,757,000 |
| Interest expense | 791,000 | 1,580,000 | 2,310,000 | 3,010,000 |
| Net interest income | 2,406,000 | 4,825,000 | 7,251,000 | 9,747,000 |
| Noninterest income | 247,000 | 188,000 | 325,000 | 469,000 |
| Noninterest expense | 1,288,000 | 2,386,000 | 3,624,000 | 4,923,000 |
| Provision for loan losses | 910,000 | 1,390,000 | 2,325,000 | 2,806,000 |
| Pretax income | 455,000 | 1,237,000 | 1,627,000 | 2,487,000 |
| Income tax | 1,000 | 74,000 | 154,000 | 252,000 |
| Net income | 454,000 | 1,163,000 | 1,473,000 | 2,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,737,000 | 24,547,000 | 24,958,000 | 25,470,000 |
| Total capital | 26,093,000 | 26,721,000 | 27,255,000 | 27,747,000 |
| Risk-weighted assets | 187,061,000 | 181,499,000 | 183,541,000 | 183,611,000 |