Call reports 2015
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2015
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 281,311,000 | 297,116,000 | 292,484,000 | 285,169,000 |
| Total loans | 166,273,000 | 176,589,000 | 182,824,000 | 191,377,000 |
| Allowance for loan losses | 1,611,000 | 1,598,000 | 2,583,000 | 2,556,000 |
| Securities available for sale | 58,502,000 | 54,635,000 | 54,517,000 | 49,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,318,000 | 246,846,000 | 260,533,000 | 238,412,000 |
| Interest-bearing deposits | 198,387,000 | 205,062,000 | 216,909,000 | 189,957,000 |
| Noninterest-bearing deposits | 40,931,000 | 41,784,000 | 43,624,000 | 48,455,000 |
| Equity capital | 29,265,000 | 28,795,000 | 29,165,000 | 29,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,262,000 | 4,712,000 | 7,259,000 | 9,767,000 |
| Interest expense | 82,000 | 162,000 | 241,000 | 311,000 |
| Net interest income | 2,180,000 | 4,550,000 | 7,018,000 | 9,456,000 |
| Noninterest income | 717,000 | 1,483,000 | 2,187,000 | 2,867,000 |
| Noninterest expense | 2,176,000 | 4,418,000 | 6,590,000 | 8,893,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 691,000 | 1,612,000 | 2,612,000 | 3,513,000 |
| Income tax | 217,000 | 520,000 | 849,000 | 1,146,000 |
| Net income | 474,000 | 1,092,000 | 1,763,000 | 2,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,561,000 | 25,944,000 | 26,403,000 | 26,500,000 |
| Total capital | 28,172,000 | 27,542,000 | 28,754,000 | 28,783,000 |
| Risk-weighted assets | 171,565,000 | 179,682,000 | 187,402,000 | 181,906,000 |