Call reports 2011
AMERICAN COMMUNITY BANK & TRUST — 2011
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 570,124,000 | 549,533,000 | 539,234,000 | 541,570,000 |
| Total loans | 387,954,000 | 377,230,000 | 359,931,000 | 366,070,000 |
| Allowance for loan losses | 8,313,000 | 7,830,000 | 7,579,000 | 7,397,000 |
| Securities available for sale | 24,087,000 | 22,853,000 | 6,105,000 | 4,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,478,000 | 475,021,000 | 463,444,000 | 466,578,000 |
| Interest-bearing deposits | 430,516,000 | 409,799,000 | 400,675,000 | 404,715,000 |
| Noninterest-bearing deposits | 63,962,000 | 65,222,000 | 62,769,000 | 61,863,000 |
| Equity capital | 61,602,000 | 62,214,000 | 62,669,000 | 62,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,677,000 | 11,305,000 | 16,864,000 | 22,149,000 |
| Interest expense | 1,949,000 | 3,764,000 | 5,513,000 | 7,040,000 |
| Net interest income | 3,728,000 | 7,541,000 | 11,351,000 | 15,109,000 |
| Noninterest income | 464,000 | 921,000 | 1,295,000 | 1,700,000 |
| Noninterest expense | 2,625,000 | 5,148,000 | 7,734,000 | 10,268,000 |
| Provision for loan losses | 960,000 | 1,920,000 | 2,880,000 | 4,040,000 |
| Pretax income | 607,000 | 1,394,000 | 2,388,000 | 2,857,000 |
| Income tax | 226,000 | 520,000 | 898,000 | 1,068,000 |
| Net income | 381,000 | 874,000 | 1,490,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,527,000 | 62,027,000 | 62,650,000 | 62,955,000 |
| Total capital | 66,405,000 | 66,852,000 | 67,326,000 | 67,610,000 |
| Risk-weighted assets | 386,838,000 | 383,011,000 | 371,151,000 | 369,619,000 |