Call reports 2010
AMERICAN COMMUNITY BANK & TRUST — 2010
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 601,282,000 | 573,987,000 | 568,176,000 | 573,572,000 |
| Total loans | 418,123,000 | 413,619,000 | 403,452,000 | 390,271,000 |
| Allowance for loan losses | 8,235,000 | 8,635,000 | 8,570,000 | 7,734,000 |
| Securities available for sale | 32,906,000 | 11,974,000 | 14,158,000 | 11,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,260,000 | 497,899,000 | 494,402,000 | 499,882,000 |
| Interest-bearing deposits | 468,376,000 | 440,741,000 | 442,501,000 | 442,573,000 |
| Noninterest-bearing deposits | 56,884,000 | 57,158,000 | 51,901,000 | 57,309,000 |
| Equity capital | 60,172,000 | 60,621,000 | 61,129,000 | 61,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,606,000 | 13,024,000 | 19,322,000 | 25,405,000 |
| Interest expense | 2,702,000 | 5,188,000 | 7,483,000 | 9,626,000 |
| Net interest income | 3,904,000 | 7,836,000 | 11,839,000 | 15,779,000 |
| Noninterest income | 398,000 | 767,000 | 1,154,000 | 1,522,000 |
| Noninterest expense | 2,603,000 | 5,102,000 | 7,519,000 | 9,904,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 3,150,000 | 5,000,000 |
| Pretax income | 670,000 | 1,501,000 | 2,424,000 | 2,497,000 |
| Income tax | 243,000 | 548,000 | 890,000 | 908,000 |
| Net income | 427,000 | 953,000 | 1,534,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,959,000 | 60,495,000 | 61,082,000 | 61,145,000 |
| Total capital | 65,190,000 | 65,620,000 | 66,092,000 | 66,059,000 |
| Risk-weighted assets | 415,500,000 | 406,504,000 | 397,215,000 | 390,318,000 |