Call reports 2007
AMERICANA COMMUNITY BANK — 2007
What AMERICANA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 183,317,000 | 194,749,000 | 183,594,000 | 184,993,000 |
| Total loans | 152,193,000 | 177,121,000 | 168,912,000 | 166,876,000 |
| Allowance for loan losses | 2,432,000 | 2,184,000 | 2,565,000 | 2,450,000 |
| Securities available for sale | 3,472,000 | 2,963,000 | 2,963,000 | 3,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,638,000 | 160,806,000 | 161,612,000 | 161,418,000 |
| Interest-bearing deposits | 143,171,000 | 136,136,000 | 141,180,000 | 116,179,000 |
| Noninterest-bearing deposits | 23,467,000 | 24,670,000 | 20,432,000 | 45,239,000 |
| Equity capital | 13,517,000 | 13,930,000 | 13,980,000 | 13,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,723,000 | 7,339,000 | 11,107,000 | 14,624,000 |
| Interest expense | 1,651,000 | 3,291,000 | 4,924,000 | 6,466,000 |
| Net interest income | 2,072,000 | 4,048,000 | 6,183,000 | 8,158,000 |
| Noninterest income | 221,000 | 461,000 | 752,000 | 1,041,000 |
| Noninterest expense | 1,814,000 | 3,659,000 | 5,328,000 | 7,241,000 |
| Provision for loan losses | 174,000 | 810,000 | 1,204,000 | 1,659,000 |
| Pretax income | 305,000 | 40,000 | 403,000 | 299,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 305,000 | 40,000 | 403,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,927,000 | 13,366,000 | 13,434,000 | 13,212,000 |
| Total capital | 14,972,000 | 15,550,000 | 15,652,000 | 15,408,000 |
| Risk-weighted assets | 163,184,000 | 185,568,000 | 177,115,000 | 175,401,000 |