Call reports 2013
AMERICAN CITY BANK — 2013
What AMERICAN CITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 248,197,000 | 244,063,000 | 264,436,000 | 269,057,000 |
| Total loans | 179,053,000 | 184,495,000 | 204,912,000 | 209,081,000 |
| Allowance for loan losses | 2,990,000 | 2,813,000 | 2,935,000 | 2,645,000 |
| Securities available for sale | 19,898,000 | 17,705,000 | 16,825,000 | 16,116,000 |
| Securities held to maturity | 5,177,000 | 4,276,000 | 4,275,000 | 4,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,872,000 | 178,528,000 | 203,917,000 | 209,556,000 |
| Interest-bearing deposits | 160,158,000 | 147,853,000 | 162,933,000 | 173,544,000 |
| Noninterest-bearing deposits | 29,714,000 | 30,675,000 | 40,984,000 | 36,012,000 |
| Equity capital | 39,665,000 | 40,465,000 | 42,012,000 | 41,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,069,000 | 5,948,000 | 9,440,000 | 13,160,000 |
| Interest expense | 526,000 | 1,037,000 | 1,525,000 | 1,997,000 |
| Net interest income | 2,543,000 | 4,911,000 | 7,915,000 | 11,163,000 |
| Noninterest income | 171,000 | 447,000 | 881,000 | 1,079,000 |
| Noninterest expense | 1,240,000 | 2,442,000 | 3,791,000 | 5,126,000 |
| Provision for loan losses | 100,000 | 275,000 | 605,000 | 728,000 |
| Pretax income | 1,374,000 | 2,641,000 | 4,400,000 | 6,388,000 |
| Income tax | 87,000 | 160,000 | 265,000 | 325,000 |
| Net income | 1,287,000 | 2,481,000 | 4,135,000 | 6,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,130,000 | 31,419,000 | 33,099,000 | 33,007,000 |
| Total capital | 32,463,000 | 33,697,000 | 35,740,000 | 35,652,000 |
| Risk-weighted assets | 185,183,000 | 186,834,000 | 210,200,000 | 214,609,000 |