Call reports 2005
AMERICANA COMMUNITY BANK — 2005
What AMERICANA COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 140,808,000 | 146,125,000 | 157,265,000 | 165,911,000 |
| Total loans | 127,111,000 | 132,729,000 | 140,933,000 | 149,169,000 |
| Allowance for loan losses | 1,428,000 | 1,563,000 | 1,543,000 | 1,519,000 |
| Securities available for sale | 3,116,000 | 3,231,000 | 3,117,000 | 3,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,258,000 | 125,389,000 | 131,477,000 | 138,468,000 |
| Interest-bearing deposits | 104,207,000 | 104,387,000 | 105,969,000 | 113,233,000 |
| Noninterest-bearing deposits | 21,051,000 | 21,002,000 | 25,507,000 | 25,235,000 |
| Equity capital | 10,537,000 | 11,096,000 | 11,414,000 | 12,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,250,000 | 4,824,000 | 7,483,000 | 10,523,000 |
| Interest expense | 516,000 | 1,129,000 | 1,881,000 | 2,874,000 |
| Net interest income | 1,734,000 | 3,695,000 | 5,602,000 | 7,649,000 |
| Noninterest income | 208,000 | 426,000 | 623,000 | 822,000 |
| Noninterest expense | 1,438,000 | 2,917,000 | 4,591,000 | 6,472,000 |
| Provision for loan losses | 79,000 | 160,000 | 187,000 | 331,000 |
| Pretax income | 425,000 | 1,044,000 | 1,447,000 | 1,668,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 425,000 | 1,044,000 | 1,447,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,825,000 | 10,387,000 | 10,730,000 | 11,884,000 |
| Total capital | 11,253,000 | 11,950,000 | 12,273,000 | 13,403,000 |
| Risk-weighted assets | 135,692,000 | 140,711,000 | 150,187,000 | 159,376,000 |