Call reports 2008
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2008
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 280,471,000 | 283,524,000 | 278,534,000 | 274,978,000 |
| Total loans | 163,594,000 | 160,595,000 | 160,153,000 | 159,592,000 |
| Allowance for loan losses | 1,613,000 | 1,590,000 | 1,610,000 | 1,612,000 |
| Securities available for sale | 69,003,000 | 65,908,000 | 59,572,000 | 57,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,512,000 | 250,466,000 | 242,976,000 | 242,063,000 |
| Interest-bearing deposits | 243,843,000 | 246,581,000 | 239,659,000 | 230,004,000 |
| Noninterest-bearing deposits | 2,669,000 | 3,885,000 | 3,317,000 | 12,059,000 |
| Equity capital | 25,309,000 | 24,715,000 | 25,224,000 | 24,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,655,000 | 7,224,000 | 10,669,000 | 13,961,000 |
| Interest expense | 1,409,000 | 2,635,000 | 3,763,000 | 4,805,000 |
| Net interest income | 2,246,000 | 4,589,000 | 6,906,000 | 9,156,000 |
| Noninterest income | 368,000 | 892,000 | 1,326,000 | 1,686,000 |
| Noninterest expense | 1,963,000 | 3,907,000 | 5,821,000 | 7,539,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 170,000 |
| Pretax income | 643,000 | 1,542,000 | 2,341,000 | 2,486,000 |
| Income tax | 140,000 | 362,000 | 551,000 | 463,000 |
| Net income | 503,000 | 1,180,000 | 1,790,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,932,000 | 21,779,000 | 22,193,000 | 21,495,000 |
| Total capital | 23,545,000 | 23,369,000 | 23,803,000 | 23,107,000 |
| Risk-weighted assets | 185,981,000 | 183,095,000 | 178,565,000 | 177,345,000 |
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