Call reports 2021
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2021
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 974,757,000 | 958,480,000 | 993,267,000 | 968,197,000 |
| Total loans | 853,451,000 | 816,426,000 | 813,358,000 | 842,867,000 |
| Allowance for loan losses | 9,913,000 | 10,645,000 | 11,372,000 | 12,122,000 |
| Securities available for sale | 62,301,000 | 61,539,000 | 62,642,000 | 67,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 843,291,000 | 833,834,000 | 870,734,000 | 839,783,000 |
| Interest-bearing deposits | 445,220,000 | 411,238,000 | 417,829,000 | 402,376,000 |
| Noninterest-bearing deposits | 398,071,000 | 422,596,000 | 452,905,000 | 437,407,000 |
| Equity capital | 81,050,000 | 84,652,000 | 88,077,000 | 89,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 9,160,000 | 18,692,000 | 28,955,000 | 38,731,000 |
| Interest expense | 490,000 | 915,000 | 1,323,000 | 1,723,000 |
| Net interest income | 8,670,000 | 17,777,000 | 27,632,000 | 37,008,000 |
| Noninterest income | 2,772,000 | 5,018,000 | 7,688,000 | 9,740,000 |
| Noninterest expense | 6,396,000 | 12,921,000 | 19,230,000 | 26,370,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 3,000,000 |
| Pretax income | 4,296,000 | 8,374,000 | 13,837,000 | 17,378,000 |
| Income tax | 1,204,000 | 2,311,000 | 3,803,000 | 4,731,000 |
| Net income | 3,092,000 | 6,063,000 | 10,034,000 | 12,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,647,000 | 81,992,000 | 85,507,000 | 87,419,000 |