Call reports 2016
AMERICAN CITY BANK — 2016
What AMERICAN CITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 272,574,000 | 273,928,000 | 292,846,000 | 307,902,000 |
| Total loans | 227,696,000 | 234,029,000 | 254,885,000 | 271,819,000 |
| Allowance for loan losses | 2,259,000 | 2,338,000 | 2,548,000 | 2,718,000 |
| Securities available for sale | 14,171,000 | 13,194,000 | 12,675,000 | 11,835,000 |
| Securities held to maturity | 2,361,000 | 2,361,000 | 2,360,000 | 2,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,870,000 | 211,014,000 | 217,792,000 | 232,564,000 |
| Interest-bearing deposits | 163,336,000 | 160,566,000 | 165,972,000 | 182,240,000 |
| Noninterest-bearing deposits | 46,534,000 | 50,448,000 | 51,820,000 | 50,324,000 |
| Equity capital | 54,096,000 | 55,499,000 | 57,435,000 | 56,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,367,000 | 6,633,000 | 10,212,000 | 14,645,000 |
| Interest expense | 317,000 | 638,000 | 975,000 | 1,362,000 |
| Net interest income | 3,050,000 | 5,995,000 | 9,237,000 | 13,283,000 |
| Noninterest income | 235,000 | 474,000 | 798,000 | 1,009,000 |
| Noninterest expense | 1,432,000 | 2,667,000 | 3,981,000 | 6,199,000 |
| Provision for loan losses | 0 | 507,000 | 714,000 | 978,000 |
| Pretax income | 1,853,000 | 3,295,000 | 5,340,000 | 7,115,000 |
| Income tax | 81,000 | 115,000 | 195,000 | 255,000 |
| Net income | 1,772,000 | 3,180,000 | 5,145,000 | 6,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,045,000 | 46,457,000 | 48,421,000 | 47,736,000 |
| Total capital | 47,304,000 | 48,795,000 | 50,969,000 | 50,454,000 |
| Risk-weighted assets | 243,284,000 | 247,930,000 | 275,226,000 | 299,086,000 |