Call reports 2012
AMERICAN COMMUNITY BANK & TRUST — 2012
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 515,271,000 | 512,819,000 | 503,937,000 | 500,594,000 |
| Total loans | 351,313,000 | 348,995,000 | 337,316,000 | 337,365,000 |
| Allowance for loan losses | 7,502,000 | 7,541,000 | 7,010,000 | 7,272,000 |
| Securities available for sale | 4,034,000 | 3,536,000 | 10,417,000 | 18,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,488,000 | 442,034,000 | 432,917,000 | 431,819,000 |
| Interest-bearing deposits | 385,357,000 | 379,138,000 | 365,993,000 | 370,388,000 |
| Noninterest-bearing deposits | 59,131,000 | 62,896,000 | 66,924,000 | 61,431,000 |
| Equity capital | 63,420,000 | 63,951,000 | 64,460,000 | 62,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,106,000 | 10,042,000 | 14,885,000 | 19,627,000 |
| Interest expense | 1,341,000 | 2,559,000 | 3,725,000 | 4,775,000 |
| Net interest income | 3,765,000 | 7,483,000 | 11,160,000 | 14,852,000 |
| Noninterest income | 434,000 | 874,000 | 1,322,000 | 1,793,000 |
| Noninterest expense | 2,577,000 | 5,061,000 | 7,574,000 | 10,503,000 |
| Provision for loan losses | 825,000 | 1,650,000 | 2,475,000 | 3,025,000 |
| Pretax income | 797,000 | 1,646,000 | 2,433,000 | 3,117,000 |
| Income tax | 302,000 | 625,000 | 925,000 | 1,186,000 |
| Net income | 495,000 | 1,021,000 | 1,508,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,453,000 | 63,981,000 | 64,469,000 | 62,238,000 |
| Total capital | 67,919,000 | 68,399,000 | 68,805,000 | 66,592,000 |
| Risk-weighted assets | 354,257,000 | 350,283,000 | 344,179,000 | 345,408,000 |