Call reports 2022
ACB BANK — 2022
What ACB BANK 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 | 122,974,000 | 122,670,000 | 120,848,000 | 121,579,000 |
| Total loans | 91,073,000 | 88,945,000 | 88,389,000 | 94,386,000 |
| Allowance for loan losses | 1,591,000 | 1,875,000 | 1,893,000 | 2,052,000 |
| Securities available for sale | 19,694,000 | 19,608,000 | 19,493,000 | 19,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,220,000 | 107,925,000 | 106,386,000 | 104,694,000 |
| Interest-bearing deposits | 86,395,000 | 85,671,000 | 83,978,000 | 83,757,000 |
| Noninterest-bearing deposits | 20,825,000 | 22,254,000 | 22,408,000 | 20,937,000 |
| Equity capital | 14,762,000 | 13,846,000 | 13,665,000 | 14,084,000 |
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 | 1,608,000 | 2,955,000 | 4,324,000 | 5,867,000 |
| Interest expense | 121,000 | 247,000 | 394,000 | 586,000 |
| Net interest income | 1,487,000 | 2,708,000 | 3,930,000 | 5,281,000 |
| Noninterest income | 155,000 | 313,000 | 541,000 | 749,000 |
| Noninterest expense | 683,000 | 1,439,000 | 2,180,000 | 3,205,000 |
| Provision for loan losses | 245,000 | 560,000 | 843,000 | 1,003,000 |
| Pretax income | 714,000 | 1,022,000 | 1,448,000 | 1,822,000 |
| Income tax | 10,000 | 61,000 | 61,000 | 61,000 |
| Net income | 704,000 | 961,000 | 1,387,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,527,000 | 15,513,000 | 15,666,000 | 15,815,000 |