Call reports 2014
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2014
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 278,480,000 | 280,712,000 | 286,147,000 | 273,113,000 |
| Total loans | 126,251,000 | 137,097,000 | 148,969,000 | 152,203,000 |
| Allowance for loan losses | 2,272,000 | 2,244,000 | 2,120,000 | 1,657,000 |
| Securities available for sale | 66,773,000 | 65,075,000 | 65,534,000 | 59,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,252,000 | 249,527,000 | 253,919,000 | 228,901,000 |
| Interest-bearing deposits | 204,716,000 | 205,369,000 | 211,726,000 | 186,759,000 |
| Noninterest-bearing deposits | 41,536,000 | 44,158,000 | 42,193,000 | 42,142,000 |
| Equity capital | 29,745,000 | 29,024,000 | 29,822,000 | 29,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,147,000 | 4,381,000 | 6,716,000 | 9,066,000 |
| Interest expense | 130,000 | 253,000 | 365,000 | 461,000 |
| Net interest income | 2,017,000 | 4,128,000 | 6,351,000 | 8,605,000 |
| Noninterest income | 542,000 | 1,159,000 | 1,817,000 | 2,469,000 |
| Noninterest expense | 2,211,000 | 4,374,000 | 6,514,000 | 8,636,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 30,000 |
| Pretax income | 338,000 | 903,000 | 1,644,000 | 2,408,000 |
| Income tax | 82,000 | 255,000 | 503,000 | 740,000 |
| Net income | 256,000 | 648,000 | 1,141,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,152,000 | 25,779,000 | 26,225,000 | 26,476,000 |
| Total capital | 27,987,000 | 27,708,000 | 28,240,000 | 28,133,000 |
| Risk-weighted assets | 146,327,000 | 154,010,000 | 161,106,000 | 159,766,000 |