Call reports 2025
AMERICAN COMMUNITY BANK — 2025
What AMERICAN COMMUNITY BANK 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 | 287,564,000 | 290,673,000 | 297,127,000 | 321,435,000 |
| Total loans | 235,388,000 | 236,278,000 | 240,146,000 | 237,995,000 |
| Allowance for loan losses | 2,703,000 | 2,778,000 | 2,840,000 | 2,949,000 |
| Securities available for sale | 23,348,000 | 22,587,000 | 22,465,000 | 22,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,649,000 | 234,776,000 | 238,990,000 | 262,109,000 |
| Interest-bearing deposits | 158,870,000 | 155,098,000 | 161,959,000 | 185,675,000 |
| Noninterest-bearing deposits | 79,779,000 | 79,678,000 | 77,031,000 | 76,434,000 |
| Equity capital | 35,695,000 | 36,838,000 | 38,070,000 | 39,249,000 |
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 | 4,045,000 | 8,212,000 | 12,678,000 | 17,336,000 |
| Interest expense | 1,117,000 | 2,268,000 | 3,469,000 | 4,772,000 |
| Net interest income | 2,928,000 | 5,944,000 | 9,209,000 | 12,564,000 |
| Noninterest income | 377,000 | 621,000 | 891,000 | 1,386,000 |
| Noninterest expense | 2,271,000 | 4,500,000 | 6,929,000 | 9,528,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 333,000 |
| Pretax income | 959,000 | 1,915,000 | 2,946,000 | 4,023,000 |
| Income tax | 216,000 | 431,000 | 663,000 | 905,000 |
| Net income | 743,000 | 1,484,000 | 2,283,000 | 3,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,839,000 | 38,980,000 | 39,834,000 | 40,744,000 |