Call reports 2004
AMERICANA COMMUNITY BANK — 2004
What AMERICANA COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 123,451,000 | 124,237,000 | 133,201,000 | 138,025,000 |
| Total loans | 108,115,000 | 109,591,000 | 116,349,000 | 122,435,000 |
| Allowance for loan losses | 1,218,000 | 1,287,000 | 1,328,000 | 1,351,000 |
| Securities available for sale | 3,319,000 | 3,254,000 | 3,365,000 | 3,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,591,000 | 109,097,000 | 122,554,000 | 115,971,000 |
| Interest-bearing deposits | 92,517,000 | 88,983,000 | 101,554,000 | 93,241,000 |
| Noninterest-bearing deposits | 19,074,000 | 20,114,000 | 21,000,000 | 22,730,000 |
| Equity capital | 9,377,000 | 9,800,000 | 10,051,000 | 10,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,525,000 | 5,571,000 | 7,626,000 |
| Interest expense | 357,000 | 724,000 | 1,151,000 | 1,603,000 |
| Net interest income | 1,359,000 | 2,801,000 | 4,420,000 | 6,023,000 |
| Noninterest income | 193,000 | 401,000 | 531,000 | 687,000 |
| Noninterest expense | 1,351,000 | 2,607,000 | 3,972,000 | 5,462,000 |
| Provision for loan losses | 67,000 | 145,000 | 224,000 | 379,000 |
| Pretax income | 134,000 | 450,000 | 755,000 | 869,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 134,000 | 450,000 | 755,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,527,000 | 9,020,000 | 9,274,000 | 9,453,000 |
| Total capital | 9,745,000 | 10,307,000 | 10,602,000 | 10,804,000 |
| Risk-weighted assets | 116,908,000 | 119,032,000 | 125,645,000 | 130,905,000 |