Call reports 2023
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2023
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,353,327,000 | 1,454,794,000 | 1,456,453,000 | 1,488,662,000 |
| Total loans | 1,129,550,000 | 1,218,105,000 | 1,214,174,000 | 1,248,923,000 |
| Allowance for loan losses | 16,784,000 | 18,278,000 | 19,262,000 | 21,044,000 |
| Securities available for sale | 124,200,000 | 136,784,000 | 145,331,000 | 160,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,104,619,000 | 1,227,390,000 | 1,247,336,000 | 1,238,571,000 |
| Interest-bearing deposits | 676,316,000 | 771,160,000 | 876,481,000 | 884,750,000 |
| Noninterest-bearing deposits | 428,303,000 | 456,230,000 | 370,855,000 | 353,821,000 |
| Equity capital | 111,923,000 | 115,068,000 | 120,532,000 | 128,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 17,696,000 | 37,332,000 | 58,760,000 | 81,198,000 |
| Interest expense | 5,161,000 | 12,039,000 | 19,748,000 | 28,418,000 |
| Net interest income | 12,535,000 | 25,293,000 | 39,012,000 | 52,780,000 |
| Noninterest income | 1,334,000 | 2,815,000 | 4,428,000 | 6,015,000 |
| Noninterest expense | 7,547,000 | 15,190,000 | 23,054,000 | 30,120,000 |
| Provision for loan losses | 1,180,000 | 2,650,000 | 4,420,000 | 6,190,000 |
| Pretax income | 4,552,000 | 9,240,000 | 14,937,000 | 21,460,000 |
| Income tax | 1,193,000 | 2,435,000 | 4,030,000 | 5,808,000 |
| Net income | 3,359,000 | 6,805,000 | 10,907,000 | 15,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,701,000 | 119,147,000 | 126,799,000 | 131,544,000 |
| Total capital | 130,079,000 | 135,632,000 | 143,081,000 | 148,784,000 |
| Risk-weighted assets | 1,228,217,000 | 1,316,193,000 | 1,298,669,000 | 1,374,477,000 |