Call reports 2001
AMERICAN COMMERCIAL BANK — 2001
What AMERICAN COMMERCIAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 |
|---|---|---|
| Total assets | 281,108,000 | 272,899,000 |
| Total loans | 201,529,000 | 195,652,000 |
| Allowance for loan losses | 3,868,000 | 4,131,000 |
| Securities available for sale | 13,582,000 | 10,613,000 |
| Securities held to maturity | 4,331,000 | 3,837,000 |
| Trading assets | 0 | 0 |
| Total deposits | 252,290,000 | 244,743,000 |
| Interest-bearing deposits | 174,246,000 | 169,037,000 |
| Noninterest-bearing deposits | 78,044,000 | 75,706,000 |
| Equity capital | 25,806,000 | 25,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 |
|---|---|---|
| Interest income | 5,369,000 | 10,348,000 |
| Interest expense | 1,731,000 | 3,387,000 |
| Net interest income | 3,638,000 | 6,961,000 |
| Noninterest income | 778,000 | 1,408,000 |
| Noninterest expense | 2,736,000 | 5,656,000 |
| Provision for loan losses | 250,000 | 500,000 |
| Pretax income | 1,430,000 | 2,213,000 |
| Income tax | 508,000 | 825,000 |
| Net income | 922,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 |
|---|---|---|
| Tier 1 capital | 25,665,000 | 25,812,000 |
| Total capital | 28,491,000 | 28,558,000 |
| Risk-weighted assets | 225,016,000 | 218,311,000 |