Call reports 2013
AMERICAN COMMUNITY BANK & TRUST — 2013
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 490,293,000 | 482,053,000 | 477,930,000 | 478,971,000 |
| Total loans | 331,224,000 | 337,598,000 | 328,113,000 | 319,922,000 |
| Allowance for loan losses | 7,850,000 | 7,918,000 | 7,875,000 | 8,160,000 |
| Securities available for sale | 24,529,000 | 32,886,000 | 37,076,000 | 40,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,852,000 | 417,404,000 | 412,831,000 | 413,421,000 |
| Interest-bearing deposits | 364,781,000 | 349,241,000 | 340,071,000 | 335,787,000 |
| Noninterest-bearing deposits | 61,071,000 | 68,163,000 | 72,760,000 | 77,634,000 |
| Equity capital | 62,887,000 | 63,272,000 | 63,678,000 | 64,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,503,000 | 8,938,000 | 13,317,000 | 17,505,000 |
| Interest expense | 846,000 | 1,520,000 | 2,137,000 | 2,661,000 |
| Net interest income | 3,657,000 | 7,418,000 | 11,180,000 | 14,844,000 |
| Noninterest income | 468,000 | 1,038,000 | 1,673,000 | 1,888,000 |
| Noninterest expense | 2,496,000 | 5,096,000 | 7,612,000 | 10,093,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,100,000 |
| Pretax income | 1,029,000 | 2,160,000 | 3,441,000 | 4,539,000 |
| Income tax | 401,000 | 842,000 | 1,343,000 | 1,770,000 |
| Net income | 628,000 | 1,318,000 | 2,098,000 | 2,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,855,000 | 63,546,000 | 63,833,000 | 64,504,000 |
| Total capital | 67,149,000 | 68,031,000 | 68,149,000 | 68,705,000 |
| Risk-weighted assets | 339,969,000 | 355,395,000 | 341,692,000 | 332,110,000 |