Call reports 2012
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2012
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 269,922,000 | 291,250,000 | 290,100,000 | 284,623,000 |
| Total loans | 125,368,000 | 124,175,000 | 120,530,000 | 120,731,000 |
| Allowance for loan losses | 2,852,000 | 3,305,000 | 2,857,000 | 2,626,000 |
| Securities available for sale | 56,963,000 | 49,416,000 | 48,539,000 | 61,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,426,000 | 262,341,000 | 260,148,000 | 254,021,000 |
| Interest-bearing deposits | 241,703,000 | 255,135,000 | 219,638,000 | 208,742,000 |
| Noninterest-bearing deposits | 1,723,000 | 7,206,000 | 40,510,000 | 45,279,000 |
| Equity capital | 24,224,000 | 26,739,000 | 27,685,000 | 28,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,386,000 | 4,722,000 | 7,010,000 | 9,272,000 |
| Interest expense | 339,000 | 651,000 | 935,000 | 1,198,000 |
| Net interest income | 2,047,000 | 4,071,000 | 6,075,000 | 8,074,000 |
| Noninterest income | 402,000 | 543,000 | 1,190,000 | 1,918,000 |
| Noninterest expense | 2,245,000 | 4,579,000 | 6,945,000 | 9,270,000 |
| Provision for loan losses | 90,000 | 611,000 | 1,512,000 | 542,000 |
| Pretax income | 114,000 | -519,000 | -1,135,000 | 237,000 |
| Income tax | -18,000 | -340,000 | -655,000 | -156,000 |
| Net income | 132,000 | -179,000 | -480,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,302,000 | 23,351,000 | 23,763,000 | 24,877,000 |
| Total capital | 23,415,000 | 25,254,000 | 25,641,000 | 26,749,000 |
| Risk-weighted assets | 168,326,000 | 152,228,000 | 149,226,000 | 148,975,000 |