Call reports 2007
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2007
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION 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 | 268,965,000 | 282,405,000 | 279,677,000 | 269,024,000 |
| Total loans | 158,447,000 | 162,648,000 | 160,677,000 | 165,426,000 |
| Allowance for loan losses | 1,510,000 | 1,514,000 | 1,506,000 | 1,588,000 |
| Securities available for sale | 78,756,000 | 73,769,000 | 71,475,000 | 66,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,124,000 | 256,406,000 | 252,378,000 | 241,674,000 |
| Interest-bearing deposits | 235,736,000 | 253,309,000 | 251,269,000 | 239,902,000 |
| Noninterest-bearing deposits | 3,388,000 | 3,097,000 | 1,109,000 | 1,772,000 |
| Equity capital | 23,717,000 | 23,577,000 | 24,731,000 | 24,415,000 |
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 | 3,718,000 | 7,439,000 | 11,442,000 | 15,229,000 |
| Interest expense | 1,609,000 | 3,159,000 | 4,769,000 | 6,281,000 |
| Net interest income | 2,109,000 | 4,280,000 | 6,673,000 | 8,948,000 |
| Noninterest income | 567,000 | 1,252,000 | 1,829,000 | 2,363,000 |
| Noninterest expense | 1,976,000 | 3,956,000 | 5,952,000 | 7,787,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 655,000 | 1,486,000 | 2,415,000 | 3,344,000 |
| Income tax | 136,000 | 338,000 | 583,000 | 830,000 |
| Net income | 519,000 | 1,148,000 | 1,832,000 | 2,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,311,000 | 21,344,000 | 22,053,000 | 21,456,000 |
| Total capital | 22,821,000 | 22,858,000 | 23,559,000 | 23,044,000 |
| Risk-weighted assets | 184,175,000 | 187,675,000 | 187,347,000 | 185,306,000 |
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