Call reports 2022
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2022
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,077,629,000 | 1,161,410,000 | 1,264,067,000 | 1,354,398,000 |
| Total loans | 887,727,000 | 972,248,000 | 1,067,280,000 | 1,140,099,000 |
| Allowance for loan losses | 12,780,000 | 13,419,000 | 14,353,000 | 16,023,000 |
| Securities available for sale | 100,764,000 | 103,575,000 | 109,265,000 | 113,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 948,267,000 | 997,335,000 | 1,007,454,000 | 1,087,386,000 |
| Interest-bearing deposits | 437,570,000 | 494,679,000 | 632,908,000 | 628,742,000 |
| Noninterest-bearing deposits | 510,697,000 | 502,656,000 | 374,546,000 | 458,644,000 |
| Equity capital | 89,619,000 | 98,931,000 | 102,459,000 | 106,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,356,000 | 20,451,000 | 34,417,000 | 50,656,000 |
| Interest expense | 425,000 | 998,000 | 2,529,000 | 5,876,000 |
| Net interest income | 8,931,000 | 19,453,000 | 31,888,000 | 44,780,000 |
| Noninterest income | 1,700,000 | 4,624,000 | 6,083,000 | 8,281,000 |
| Noninterest expense | 7,016,000 | 14,356,000 | 21,521,000 | 30,639,000 |
| Provision for loan losses | 600,000 | 1,250,000 | 2,250,000 | 3,975,000 |
| Pretax income | 3,015,000 | 8,472,000 | 14,203,000 | 18,449,000 |
| Income tax | 786,000 | 2,262,000 | 3,801,000 | 4,841,000 |
| Net income | 2,229,000 | 6,210,000 | 10,402,000 | 13,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,823,000 | 101,479,000 | 106,671,000 | 110,027,000 |