Call reports 2006
AMERICAN COMMUNITY BANK & TRUST — 2006
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 428,395,000 | 478,678,000 | 467,647,000 | 477,221,000 |
| Total loans | 358,993,000 | 383,186,000 | 393,021,000 | 393,244,000 |
| Allowance for loan losses | 4,589,000 | 4,739,000 | 4,889,000 | 5,039,000 |
| Securities available for sale | 30,129,000 | 30,822,000 | 28,392,000 | 23,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,197,000 | 437,515,000 | 424,593,000 | 429,053,000 |
| Interest-bearing deposits | 351,080,000 | 386,913,000 | 386,054,000 | 389,535,000 |
| Noninterest-bearing deposits | 37,117,000 | 50,602,000 | 38,539,000 | 39,518,000 |
| Equity capital | 35,539,000 | 36,461,000 | 37,661,000 | 42,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,554,000 | 14,084,000 | 22,022,000 | 30,088,000 |
| Interest expense | 3,204,000 | 7,089,000 | 11,347,000 | 15,666,000 |
| Net interest income | 3,350,000 | 6,995,000 | 10,675,000 | 14,422,000 |
| Noninterest income | 235,000 | 528,000 | 801,000 | 1,111,000 |
| Noninterest expense | 1,769,000 | 3,663,000 | 5,465,000 | 7,344,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,666,000 | 3,560,000 | 5,561,000 | 7,589,000 |
| Income tax | 629,000 | 1,347,000 | 2,114,000 | 2,859,000 |
| Net income | 1,037,000 | 2,213,000 | 3,447,000 | 4,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,734,000 | 36,704,000 | 37,728,000 | 42,800,000 |
| Total capital | 40,179,000 | 41,443,000 | 42,617,000 | 47,772,000 |
| Risk-weighted assets | 355,500,000 | 383,052,000 | 393,472,000 | 397,714,000 |