Call reports 2012
AMERICAN CITY BANK — 2012
What AMERICAN CITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 241,939,000 | 229,404,000 | 225,857,000 | 234,047,000 |
| Total loans | 173,806,000 | 175,288,000 | 176,231,000 | 182,210,000 |
| Allowance for loan losses | 3,472,000 | 3,336,000 | 3,366,000 | 3,118,000 |
| Securities available for sale | 24,930,000 | 26,732,000 | 24,353,000 | 22,076,000 |
| Securities held to maturity | 5,186,000 | 5,184,000 | 5,181,000 | 5,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,149,000 | 177,282,000 | 167,998,000 | 178,284,000 |
| Interest-bearing deposits | 163,304,000 | 151,123,000 | 141,101,000 | 145,919,000 |
| Noninterest-bearing deposits | 27,846,000 | 26,159,000 | 26,897,000 | 32,365,000 |
| Equity capital | 36,651,000 | 37,997,000 | 39,225,000 | 38,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,131,000 | 7,203,000 | 10,332,000 | 13,421,000 |
| Interest expense | 658,000 | 1,279,000 | 1,854,000 | 2,394,000 |
| Net interest income | 3,473,000 | 5,924,000 | 8,478,000 | 11,027,000 |
| Noninterest income | 38,000 | 166,000 | 368,000 | 598,000 |
| Noninterest expense | 1,219,000 | 2,277,000 | 3,610,000 | 4,979,000 |
| Provision for loan losses | 1,379,000 | 1,579,000 | 1,891,000 | 2,151,000 |
| Pretax income | 913,000 | 2,234,000 | 3,345,000 | 4,495,000 |
| Income tax | 40,000 | 40,000 | 40,000 | 49,000 |
| Net income | 873,000 | 2,194,000 | 3,305,000 | 4,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,441,000 | 27,860,000 | 29,069,000 | 28,747,000 |
| Total capital | 28,726,000 | 30,175,000 | 31,266,000 | 31,106,000 |
| Risk-weighted assets | 181,339,000 | 184,167,000 | 184,412,000 | 187,934,000 |