Call reports 2025
AMERICAN BANK OF THE CAROLINAS — 2025
What AMERICAN BANK OF THE CAROLINAS 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 | 192,369,000 | 198,182,000 | 200,868,000 | 212,117,000 |
| Total loans | 137,919,000 | 142,838,000 | 151,012,000 | 152,982,000 |
| Allowance for loan losses | 1,403,000 | 1,423,000 | 1,503,000 | 1,493,000 |
| Securities available for sale | 33,402,000 | 32,415,000 | 31,761,000 | 31,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,759,000 | 170,766,000 | 172,575,000 | 182,889,000 |
| Interest-bearing deposits | 128,275,000 | 129,409,000 | 125,329,000 | 133,208,000 |
| Noninterest-bearing deposits | 37,484,000 | 41,357,000 | 47,246,000 | 49,681,000 |
| Equity capital | 22,401,000 | 23,239,000 | 24,146,000 | 24,871,000 |
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 | 2,769,000 | 5,661,000 | 8,705,000 | 11,990,000 |
| Interest expense | 718,000 | 1,431,000 | 2,152,000 | 2,887,000 |
| Net interest income | 2,051,000 | 4,230,000 | 6,553,000 | 9,103,000 |
| Noninterest income | 117,000 | 236,000 | 385,000 | 554,000 |
| Noninterest expense | 1,377,000 | 2,890,000 | 4,376,000 | 6,091,000 |
| Provision for loan losses | 114,000 | 134,000 | 214,000 | 205,000 |
| Pretax income | 657,000 | 1,449,000 | 2,369,000 | 3,411,000 |
| Income tax | 150,000 | 337,000 | 541,000 | 785,000 |
| Net income | 507,000 | 1,112,000 | 1,828,000 | 2,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,486,000 | 25,100,000 | 25,825,000 | 26,372,000 |