Call reports 2001
AMERICAN COMMUNITY BANK & TRUST — 2001
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 113,049,000 | 122,317,000 | 137,469,000 | 167,256,000 |
| Total loans | 47,454,000 | 68,430,000 | 81,200,000 | 106,111,000 |
| Allowance for loan losses | 703,000 | 883,000 | 1,133,000 | 1,343,000 |
| Securities available for sale | 29,741,000 | 28,767,000 | 27,725,000 | 25,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,512,000 | 103,154,000 | 117,671,000 | 147,644,000 |
| Interest-bearing deposits | 82,915,000 | 87,861,000 | 101,001,000 | 127,486,000 |
| Noninterest-bearing deposits | 10,597,000 | 15,293,000 | 16,670,000 | 20,158,000 |
| Equity capital | 18,588,000 | 18,614,000 | 18,904,000 | 18,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,905,000 | 3,804,000 | 5,912,000 | 8,121,000 |
| Interest expense | 1,066,000 | 2,008,000 | 2,995,000 | 3,920,000 |
| Net interest income | 839,000 | 1,796,000 | 2,917,000 | 4,201,000 |
| Noninterest income | 34,000 | 87,000 | 139,000 | 194,000 |
| Noninterest expense | 774,000 | 1,546,000 | 2,299,000 | 3,152,000 |
| Provision for loan losses | 180,000 | 360,000 | 610,000 | 820,000 |
| Pretax income | 1,000 | 59,000 | 229,000 | 505,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | 59,000 | 229,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,144,000 | 18,202,000 | 18,372,000 | 18,648,000 |
| Total capital | 18,847,000 | 19,085,000 | 19,422,000 | 19,991,000 |
| Risk-weighted assets | 56,450,000 | 72,139,000 | 83,934,000 | 109,011,000 |