Call reports 2020
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2020
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 565,049,000 | 786,070,000 | 859,412,000 | 906,824,000 |
| Total loans | 432,511,000 | 687,802,000 | 764,567,000 | 795,682,000 |
| Allowance for loan losses | 5,055,000 | 5,909,000 | 7,283,000 | 9,762,000 |
| Securities available for sale | 32,986,000 | 33,188,000 | 39,681,000 | 55,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,787,000 | 672,289,000 | 708,290,000 | 693,881,000 |
| Interest-bearing deposits | 346,011,000 | 392,388,000 | 391,149,000 | 389,239,000 |
| Noninterest-bearing deposits | 137,776,000 | 279,901,000 | 317,141,000 | 304,642,000 |
| Equity capital | 53,263,000 | 55,017,000 | 77,562,000 | 77,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,477,000 | 12,269,000 | 19,974,000 | 28,846,000 |
| Interest expense | 921,000 | 1,836,000 | 2,720,000 | 3,417,000 |
| Net interest income | 4,556,000 | 10,433,000 | 17,254,000 | 25,429,000 |
| Noninterest income | 1,270,000 | 3,632,000 | 5,496,000 | 8,713,000 |
| Noninterest expense | 4,406,000 | 9,673,000 | 15,143,000 | 23,241,000 |
| Provision for loan losses | 825,000 | 1,650,000 | 3,000,000 | 5,350,000 |
| Pretax income | 595,000 | 2,752,000 | 4,622,000 | 5,553,000 |
| Income tax | 88,000 | 678,000 | 1,197,000 | 1,454,000 |
| Net income | 507,000 | 2,074,000 | 3,425,000 | 4,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,701,000 | 52,649,000 | 75,000,000 | 75,054,000 |