Call reports 2009
AMERICAN COMMUNITY BANK & TRUST — 2009
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 604,746,000 | 607,700,000 | 609,582,000 | 593,153,000 |
| Total loans | 491,224,000 | 480,682,000 | 454,076,000 | 436,859,000 |
| Allowance for loan losses | 9,168,000 | 9,276,000 | 8,031,000 | 7,991,000 |
| Securities available for sale | 15,713,000 | 15,686,000 | 14,725,000 | 19,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,859,000 | 532,656,000 | 533,248,000 | 516,822,000 |
| Interest-bearing deposits | 489,026,000 | 477,770,000 | 479,273,000 | 468,424,000 |
| Noninterest-bearing deposits | 46,833,000 | 54,886,000 | 53,975,000 | 48,398,000 |
| Equity capital | 52,865,000 | 58,837,000 | 59,249,000 | 59,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,534,000 | 15,114,000 | 22,481,000 | 29,518,000 |
| Interest expense | 3,654,000 | 7,135,000 | 10,486,000 | 13,566,000 |
| Net interest income | 3,880,000 | 7,979,000 | 11,995,000 | 15,952,000 |
| Noninterest income | 335,000 | 640,000 | 1,039,000 | 1,447,000 |
| Noninterest expense | 2,625,000 | 5,375,000 | 8,167,000 | 11,265,000 |
| Provision for loan losses | 750,000 | 1,965,000 | 3,015,000 | 4,265,000 |
| Pretax income | 840,000 | 1,279,000 | 1,858,000 | 1,875,000 |
| Income tax | 309,000 | 336,000 | 527,000 | 501,000 |
| Net income | 531,000 | 943,000 | 1,331,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,633,000 | 58,645,000 | 59,033,000 | 59,151,000 |
| Total capital | 58,579,000 | 64,517,000 | 64,694,000 | 64,591,000 |
| Risk-weighted assets | 472,483,000 | 466,378,000 | 450,528,000 | 432,636,000 |