Call reports 2013
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2013
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 277,959,000 | 275,476,000 | 288,920,000 | 271,496,000 |
| Total loans | 116,992,000 | 120,875,000 | 127,638,000 | 130,702,000 |
| Allowance for loan losses | 2,399,000 | 2,455,000 | 2,512,000 | 1,996,000 |
| Securities available for sale | 72,048,000 | 70,012,000 | 69,337,000 | 62,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,041,000 | 244,494,000 | 257,363,000 | 239,636,000 |
| Interest-bearing deposits | 208,564,000 | 204,213,000 | 212,446,000 | 198,515,000 |
| Noninterest-bearing deposits | 38,477,000 | 40,281,000 | 44,917,000 | 41,121,000 |
| Equity capital | 28,726,000 | 28,768,000 | 29,045,000 | 29,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,091,000 | 4,257,000 | 6,516,000 | 8,727,000 |
| Interest expense | 212,000 | 400,000 | 578,000 | 748,000 |
| Net interest income | 1,879,000 | 3,857,000 | 5,938,000 | 7,979,000 |
| Noninterest income | 791,000 | 1,440,000 | 2,086,000 | 2,757,000 |
| Noninterest expense | 2,262,000 | 4,355,000 | 6,582,000 | 8,656,000 |
| Provision for loan losses | 0 | 120,000 | 180,000 | 180,000 |
| Pretax income | 408,000 | 822,000 | 1,269,000 | 1,907,000 |
| Income tax | 110,000 | 211,000 | 328,000 | 521,000 |
| Net income | 298,000 | 611,000 | 941,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,748,000 | 24,917,000 | 25,410,000 | 25,896,000 |
| Total capital | 26,491,000 | 26,648,000 | 27,242,000 | 27,765,000 |
| Risk-weighted assets | 138,117,000 | 137,776,000 | 145,844,000 | 149,396,000 |