Call reports 2021
ACB BANK — 2021
What ACB BANK 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 | 125,169,000 | 122,316,000 | 119,856,000 | 120,621,000 |
| Total loans | 91,687,000 | 90,157,000 | 87,255,000 | 90,929,000 |
| Allowance for loan losses | 1,597,000 | 1,518,000 | 1,403,000 | 1,411,000 |
| Securities available for sale | 20,049,000 | 22,435,000 | 22,179,000 | 21,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,625,000 | 105,224,000 | 103,037,000 | 103,790,000 |
| Interest-bearing deposits | 86,506,000 | 83,559,000 | 81,583,000 | 82,769,000 |
| Noninterest-bearing deposits | 22,119,000 | 21,665,000 | 21,454,000 | 21,021,000 |
| Equity capital | 15,278,000 | 15,566,000 | 15,738,000 | 15,591,000 |
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 | 1,661,000 | 3,152,000 | 4,449,000 | 5,527,000 |
| Interest expense | 188,000 | 358,000 | 512,000 | 637,000 |
| Net interest income | 1,473,000 | 2,794,000 | 3,937,000 | 4,890,000 |
| Noninterest income | 152,000 | 323,000 | 517,000 | 669,000 |
| Noninterest expense | 701,000 | 1,443,000 | 2,132,000 | 3,054,000 |
| Provision for loan losses | 124,000 | 154,000 | 392,000 | 502,000 |
| Pretax income | 800,000 | 1,520,000 | 1,932,000 | 2,006,000 |
| Income tax | 0 | 13,000 | 22,000 | 22,000 |
| Net income | 800,000 | 1,507,000 | 1,910,000 | 1,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,771,000 | 15,032,000 | 15,239,000 | 15,283,000 |