Call reports 2015
AMERICAN CITY BANK — 2015
What AMERICAN CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 257,933,000 | 263,967,000 | 262,800,000 | 275,609,000 |
| Total loans | 213,778,000 | 219,633,000 | 227,830,000 | 230,521,000 |
| Allowance for loan losses | 2,068,000 | 2,213,000 | 2,258,000 | 2,353,000 |
| Securities available for sale | 15,950,000 | 15,161,000 | 14,654,000 | 14,517,000 |
| Securities held to maturity | 3,563,000 | 3,563,000 | 3,162,000 | 3,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,080,000 | 206,586,000 | 200,221,000 | 214,991,000 |
| Interest-bearing deposits | 164,955,000 | 161,494,000 | 155,603,000 | 164,591,000 |
| Noninterest-bearing deposits | 39,125,000 | 45,093,000 | 44,618,000 | 50,401,000 |
| Equity capital | 47,555,000 | 49,074,000 | 50,679,000 | 52,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,905,000 | 6,264,000 | 9,511,000 | 12,771,000 |
| Interest expense | 343,000 | 689,000 | 1,032,000 | 1,366,000 |
| Net interest income | 2,562,000 | 5,575,000 | 8,479,000 | 11,405,000 |
| Noninterest income | 481,000 | 744,000 | 967,000 | 1,160,000 |
| Noninterest expense | 1,506,000 | 2,762,000 | 4,103,000 | 5,419,000 |
| Provision for loan losses | 10,000 | 196,000 | 331,000 | 419,000 |
| Pretax income | 1,527,000 | 3,361,000 | 5,012,000 | 6,727,000 |
| Income tax | 82,000 | 198,000 | 305,000 | 416,000 |
| Net income | 1,445,000 | 3,163,000 | 4,707,000 | 6,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,398,000 | 40,127,000 | 41,664,000 | 43,272,000 |
| Total capital | 40,466,000 | 42,340,000 | 43,922,000 | 45,625,000 |
| Risk-weighted assets | 239,848,000 | 236,086,000 | 245,750,000 | 245,305,000 |