Call reports 2009
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2009
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 269,501,000 | 274,640,000 | 304,175,000 | 283,478,000 |
| Total loans | 153,946,000 | 149,636,000 | 144,474,000 | 149,485,000 |
| Allowance for loan losses | 1,842,000 | 1,842,000 | 1,893,000 | 2,334,000 |
| Securities available for sale | 55,717,000 | 60,833,000 | 68,944,000 | 56,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,146,000 | 243,239,000 | 271,498,000 | 251,731,000 |
| Interest-bearing deposits | 235,727,000 | 230,616,000 | 268,158,000 | 244,841,000 |
| Noninterest-bearing deposits | 2,419,000 | 12,623,000 | 3,340,000 | 6,890,000 |
| Equity capital | 24,775,000 | 24,889,000 | 25,980,000 | 25,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,231,000 | 6,268,000 | 9,419,000 | 12,371,000 |
| Interest expense | 943,000 | 1,798,000 | 2,561,000 | 3,237,000 |
| Net interest income | 2,288,000 | 4,470,000 | 6,858,000 | 9,134,000 |
| Noninterest income | 542,000 | 1,242,000 | 1,805,000 | 2,322,000 |
| Noninterest expense | 2,032,000 | 4,112,000 | 6,245,000 | 8,574,000 |
| Provision for loan losses | 270,000 | 390,000 | 510,000 | 1,330,000 |
| Pretax income | 759,000 | 1,445,000 | 2,146,000 | 2,531,000 |
| Income tax | 161,000 | 307,000 | 471,000 | 507,000 |
| Net income | 598,000 | 1,138,000 | 1,675,000 | 2,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,133,000 | 22,117,000 | 22,696,000 | 22,614,000 |
| Total capital | 23,975,000 | 23,959,000 | 24,589,000 | 24,807,000 |
| Risk-weighted assets | 181,146,000 | 185,551,000 | 182,886,000 | 175,294,000 |
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