Call reports 2016
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2016
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 283,205,000 | 331,419,000 | 280,963,000 | 278,728,000 |
| Total loans | 191,062,000 | 214,055,000 | 207,795,000 | 213,577,000 |
| Allowance for loan losses | 2,520,000 | 2,525,000 | 2,720,000 | 2,751,000 |
| Securities available for sale | 48,739,000 | 43,755,000 | 40,723,000 | 35,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,778,000 | 283,479,000 | 246,887,000 | 226,083,000 |
| Interest-bearing deposits | 194,200,000 | 231,657,000 | 199,986,000 | 179,097,000 |
| Noninterest-bearing deposits | 48,578,000 | 51,822,000 | 46,901,000 | 46,986,000 |
| Equity capital | 29,370,000 | 29,637,000 | 30,422,000 | 30,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,573,000 | 5,233,000 | 7,946,000 | 10,591,000 |
| Interest expense | 66,000 | 128,000 | 195,000 | 252,000 |
| Net interest income | 2,507,000 | 5,105,000 | 7,751,000 | 10,339,000 |
| Noninterest income | 750,000 | 1,484,000 | 2,420,000 | 3,421,000 |
| Noninterest expense | 2,302,000 | 4,454,000 | 6,667,000 | 8,914,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 955,000 | 2,236,000 | 3,605,000 | 4,942,000 |
| Income tax | 314,000 | 756,000 | 1,231,000 | 1,696,000 |
| Net income | 641,000 | 1,480,000 | 2,374,000 | 3,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,894,000 | 27,046,000 | 27,781,000 | 28,174,000 |
| Total capital | 29,211,000 | 29,535,000 | 30,201,000 | 30,681,000 |
| Risk-weighted assets | 184,907,000 | 198,830,000 | 193,069,000 | 200,085,000 |