Call reports 2007
AMERICAN COMMUNITY BANK & TRUST — 2007
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 467,448,000 | 489,090,000 | 507,679,000 | 518,371,000 |
| Total loans | 392,645,000 | 420,679,000 | 431,606,000 | 441,957,000 |
| Allowance for loan losses | 5,185,000 | 5,264,000 | 5,339,000 | 5,411,000 |
| Securities available for sale | 24,955,000 | 17,839,000 | 15,926,000 | 15,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,689,000 | 438,450,000 | 453,907,000 | 462,981,000 |
| Interest-bearing deposits | 378,915,000 | 393,050,000 | 408,119,000 | 418,943,000 |
| Noninterest-bearing deposits | 38,774,000 | 45,400,000 | 45,788,000 | 44,038,000 |
| Equity capital | 43,977,000 | 45,136,000 | 46,683,000 | 47,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,877,000 | 15,954,000 | 24,529,000 | 33,163,000 |
| Interest expense | 4,188,000 | 8,454,000 | 13,021,000 | 17,595,000 |
| Net interest income | 3,689,000 | 7,500,000 | 11,508,000 | 15,568,000 |
| Noninterest income | 281,000 | 613,000 | 971,000 | 1,231,000 |
| Noninterest expense | 1,900,000 | 4,057,000 | 5,918,000 | 7,878,000 |
| Provision for loan losses | 150,000 | 225,000 | 300,000 | 375,000 |
| Pretax income | 1,920,000 | 3,831,000 | 6,261,000 | 8,546,000 |
| Income tax | 726,000 | 1,444,000 | 2,358,000 | 3,253,000 |
| Net income | 1,194,000 | 2,387,000 | 3,903,000 | 5,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,994,000 | 45,187,000 | 46,641,000 | 47,736,000 |
| Total capital | 48,943,000 | 50,416,000 | 51,980,000 | 53,147,000 |
| Risk-weighted assets | 395,673,000 | 418,276,000 | 431,817,000 | 437,149,000 |