Call reports 2005
AMERICAN COMMUNITY BANK & TRUST — 2005
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 355,224,000 | 381,148,000 | 401,431,000 | 415,086,000 |
| Total loans | 285,475,000 | 300,354,000 | 327,458,000 | 344,983,000 |
| Allowance for loan losses | 3,944,000 | 4,139,000 | 4,289,000 | 4,439,000 |
| Securities available for sale | 24,125,000 | 23,561,000 | 26,582,000 | 31,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,217,000 | 344,859,000 | 363,910,000 | 376,595,000 |
| Interest-bearing deposits | 287,744,000 | 307,676,000 | 327,581,000 | 334,138,000 |
| Noninterest-bearing deposits | 31,473,000 | 37,183,000 | 36,329,000 | 42,457,000 |
| Equity capital | 32,727,000 | 33,402,000 | 34,021,000 | 34,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,676,000 | 9,794,000 | 15,407,000 | 21,644,000 |
| Interest expense | 1,931,000 | 4,166,000 | 6,715,000 | 9,685,000 |
| Net interest income | 2,745,000 | 5,628,000 | 8,692,000 | 11,959,000 |
| Noninterest income | 227,000 | 466,000 | 687,000 | 918,000 |
| Noninterest expense | 1,679,000 | 3,349,000 | 5,076,000 | 6,936,000 |
| Provision for loan losses | 195,000 | 390,000 | 540,000 | 690,000 |
| Pretax income | 1,199,000 | 2,456,000 | 3,864,000 | 5,352,000 |
| Income tax | 457,000 | 936,000 | 1,464,000 | 2,024,000 |
| Net income | 742,000 | 1,520,000 | 2,400,000 | 3,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,798,000 | 33,423,000 | 34,129,000 | 34,879,000 |
| Total capital | 36,474,000 | 37,278,000 | 38,274,000 | 39,170,000 |
| Risk-weighted assets | 293,816,000 | 308,079,000 | 331,432,000 | 343,145,000 |