Call reports 2025
AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION — 2025
What AMERICAN COMMERCIAL BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,764,192,000 | 1,848,303,000 | 1,944,721,000 | 2,033,992,000 |
| Total loans | 1,479,704,000 | 1,552,785,000 | 1,604,078,000 | 1,740,566,000 |
| Allowance for loan losses | 22,863,000 | 22,646,000 | 23,885,000 | 24,368,000 |
| Securities available for sale | 170,319,000 | 173,480,000 | 180,440,000 | 178,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 5,093,000 | 5,218,000 | 10,376,000 |
| Total deposits | 1,553,537,000 | 1,640,275,000 | 1,751,463,000 | 1,747,309,000 |
| Interest-bearing deposits | 1,176,201,000 | 1,252,931,000 | 1,357,078,000 | 1,351,208,000 |
| Noninterest-bearing deposits | 377,336,000 | 387,344,000 | 394,385,000 | 396,101,000 |
| Equity capital | 155,471,000 | 161,619,000 | 170,639,000 | 178,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 26,353,000 | 54,122,000 | 83,792,000 | 114,813,000 |
| Interest expense | 10,777,000 | 21,932,000 | 33,429,000 | 45,072,000 |
| Net interest income | 15,576,000 | 32,190,000 | 50,363,000 | 69,741,000 |
| Noninterest income | 1,857,000 | 4,203,000 | 7,488,000 | 9,773,000 |
| Noninterest expense | 8,982,000 | 18,561,000 | 28,152,000 | 38,327,000 |
| Provision for loan losses | 720,000 | 1,440,000 | 2,910,000 | 4,380,000 |
| Pretax income | 8,006,000 | 16,456,000 | 27,172,000 | 37,178,000 |
| Income tax | 2,175,000 | 4,459,000 | 7,275,000 | 10,032,000 |
| Net income | 5,831,000 | 11,997,000 | 19,897,000 | 27,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,536,000 | 164,701,000 | 171,880,000 | 179,131,000 |
| Total capital | 178,454,000 | 185,496,000 | 193,088,000 | 201,576,000 |
| Risk-weighted assets | 1,589,173,000 | 1,660,377,000 | 1,692,632,000 | 1,792,376,000 |