Call reports 2003
AMERICAN COMMUNITY BANK & TRUST — 2003
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 227,097,000 | 249,729,000 | 271,391,000 | 280,821,000 |
| Total loans | 161,361,000 | 190,420,000 | 211,846,000 | 221,664,000 |
| Allowance for loan losses | 2,159,000 | 2,369,000 | 2,579,000 | 2,789,000 |
| Securities available for sale | 26,488,000 | 21,707,000 | 17,748,000 | 19,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,521,000 | 228,897,000 | 239,945,000 | 249,472,000 |
| Interest-bearing deposits | 180,604,000 | 198,401,000 | 213,095,000 | 218,116,000 |
| Noninterest-bearing deposits | 25,917,000 | 30,496,000 | 26,850,000 | 31,356,000 |
| Equity capital | 19,548,000 | 19,888,000 | 30,147,000 | 30,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,625,000 | 5,488,000 | 8,586,000 | 11,950,000 |
| Interest expense | 1,068,000 | 2,179,000 | 3,370,000 | 4,578,000 |
| Net interest income | 1,557,000 | 3,309,000 | 5,216,000 | 7,372,000 |
| Noninterest income | 153,000 | 448,000 | 764,000 | 922,000 |
| Noninterest expense | 1,350,000 | 2,689,000 | 4,158,000 | 5,528,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 150,000 | 648,000 | 1,192,000 | 1,926,000 |
| Income tax | 53,000 | 236,000 | 433,000 | 704,000 |
| Net income | 97,000 | 412,000 | 759,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,385,000 | 19,700,000 | 29,957,000 | 30,317,000 |
| Total capital | 21,415,000 | 22,020,000 | 32,511,000 | 33,075,000 |
| Risk-weighted assets | 162,249,000 | 185,564,000 | 204,333,000 | 220,631,000 |