Call reports 2019
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2019
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 297,830,000 | 368,713,000 | 378,859,000 | 452,096,000 |
| Total loans | 218,389,000 | 232,571,000 | 309,493,000 | 380,626,000 |
| Allowance for loan losses | 3,371,000 | 3,551,000 | 3,930,000 | 4,499,000 |
| Securities available for sale | 38,597,000 | 40,683,000 | 41,220,000 | 35,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,441,000 | 318,683,000 | 312,069,000 | 360,840,000 |
| Interest-bearing deposits | 185,546,000 | 194,518,000 | 201,541,000 | 254,359,000 |
| Noninterest-bearing deposits | 63,895,000 | 124,165,000 | 110,528,000 | 106,481,000 |
| Equity capital | 44,761,000 | 46,665,000 | 48,355,000 | 48,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,076,000 | 6,437,000 | 10,505,000 | 15,283,000 |
| Interest expense | 218,000 | 593,000 | 1,098,000 | 1,684,000 |
| Net interest income | 2,858,000 | 5,844,000 | 9,407,000 | 13,599,000 |
| Noninterest income | 704,000 | 1,859,000 | 2,870,000 | 3,933,000 |
| Noninterest expense | 2,785,000 | 5,891,000 | 9,350,000 | 13,359,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 1,120,000 |
| Pretax income | 607,000 | 1,543,000 | 2,478,000 | 3,144,000 |
| Income tax | 144,000 | 383,000 | 631,000 | 769,000 |
| Net income | 463,000 | 1,160,000 | 1,847,000 | 2,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,014,000 | 44,648,000 | 46,189,000 | 46,972,000 |
| Total capital | 45,887,000 | 47,611,000 | 49,994,000 | 51,471,000 |
| Risk-weighted assets | 229,330,000 | 236,432,000 | 304,267,000 | 368,603,000 |