Call reports 2004
AMERICAN COMMUNITY BANK & TRUST — 2004
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 285,729,000 | 309,577,000 | 329,018,000 | 344,673,000 |
| Total loans | 230,297,000 | 250,296,000 | 269,599,000 | 284,633,000 |
| Allowance for loan losses | 3,029,000 | 3,269,000 | 3,509,000 | 3,749,000 |
| Securities available for sale | 19,524,000 | 18,257,000 | 17,866,000 | 16,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,353,000 | 277,276,000 | 295,059,000 | 309,601,000 |
| Interest-bearing deposits | 224,136,000 | 243,761,000 | 260,115,000 | 272,890,000 |
| Noninterest-bearing deposits | 29,217,000 | 33,515,000 | 34,944,000 | 36,711,000 |
| Equity capital | 31,018,000 | 31,133,000 | 31,753,000 | 32,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,391,000 | 6,948,000 | 10,961,000 | 15,461,000 |
| Interest expense | 1,189,000 | 2,451,000 | 3,988,000 | 5,697,000 |
| Net interest income | 2,202,000 | 4,497,000 | 6,973,000 | 9,764,000 |
| Noninterest income | 223,000 | 475,000 | 684,000 | 907,000 |
| Noninterest expense | 1,450,000 | 2,910,000 | 4,406,000 | 6,045,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 960,000 |
| Pretax income | 754,000 | 1,601,000 | 2,568,000 | 3,703,000 |
| Income tax | 278,000 | 592,000 | 954,000 | 1,382,000 |
| Net income | 476,000 | 1,009,000 | 1,614,000 | 2,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,689,000 | 31,118,000 | 31,608,000 | 32,192,000 |
| Total capital | 33,527,000 | 34,250,000 | 34,974,000 | 35,732,000 |
| Risk-weighted assets | 226,843,000 | 250,448,000 | 269,117,000 | 283,030,000 |