Call reports 2003
AMERICANA COMMUNITY BANK — 2003
What AMERICANA COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,982,000 | 114,148,000 | 117,437,000 | 119,824,000 |
| Total loans | 93,384,000 | 96,833,000 | 97,426,000 | 97,427,000 |
| Allowance for loan losses | 1,629,000 | 1,624,000 | 1,222,000 | 1,159,000 |
| Securities available for sale | 4,265,000 | 4,273,000 | 3,306,000 | 3,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,501,000 | 104,689,000 | 107,732,000 | 110,066,000 |
| Interest-bearing deposits | 77,995,000 | 87,388,000 | 89,142,000 | 87,987,000 |
| Noninterest-bearing deposits | 15,506,000 | 17,301,000 | 18,590,000 | 22,079,000 |
| Equity capital | 8,627,000 | 8,935,000 | 9,151,000 | 9,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,661,000 | 3,278,000 | 4,900,000 | 6,538,000 |
| Interest expense | 362,000 | 757,000 | 1,152,000 | 1,526,000 |
| Net interest income | 1,299,000 | 2,521,000 | 3,748,000 | 5,012,000 |
| Noninterest income | 193,000 | 431,000 | 704,000 | 901,000 |
| Noninterest expense | 1,198,000 | 2,309,000 | 3,558,000 | 5,080,000 |
| Provision for loan losses | 121,000 | 224,000 | 311,000 | 353,000 |
| Pretax income | 173,000 | 419,000 | 583,000 | 480,000 |
| Income tax | 0 | 8,000 | 9,000 | 9,000 |
| Net income | 173,000 | 411,000 | 574,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,715,000 | 8,010,000 | 8,278,000 | 8,430,000 |
| Total capital | 8,996,000 | 9,371,000 | 9,500,000 | 9,589,000 |
| Risk-weighted assets | 102,092,000 | 108,611,000 | 106,655,000 | 107,548,000 |