Call reports 2014
AMERICAN COMMUNITY BANK & TRUST — 2014
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 467,139,000 | 468,356,000 | 477,213,000 | 477,925,000 |
| Total loans | 321,471,000 | 316,675,000 | 312,467,000 | 312,529,000 |
| Allowance for loan losses | 8,402,000 | 7,790,000 | 7,789,000 | 7,405,000 |
| Securities available for sale | 43,538,000 | 43,743,000 | 50,973,000 | 54,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,102,000 | 400,699,000 | 408,491,000 | 410,172,000 |
| Interest-bearing deposits | 325,088,000 | 327,654,000 | 328,584,000 | 331,783,000 |
| Noninterest-bearing deposits | 75,014,000 | 73,045,000 | 79,907,000 | 78,389,000 |
| Equity capital | 65,222,000 | 66,233,000 | 67,052,000 | 66,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,055,000 | 8,060,000 | 12,053,000 | 16,027,000 |
| Interest expense | 440,000 | 844,000 | 1,207,000 | 1,524,000 |
| Net interest income | 3,615,000 | 7,216,000 | 10,846,000 | 14,503,000 |
| Noninterest income | 602,000 | 1,249,000 | 1,721,000 | 2,208,000 |
| Noninterest expense | 2,548,000 | 5,035,000 | 7,544,000 | 10,275,000 |
| Provision for loan losses | 330,000 | 660,000 | 770,000 | 770,000 |
| Pretax income | 1,339,000 | 2,770,000 | 4,253,000 | 5,663,000 |
| Income tax | 483,000 | 1,045,000 | 1,623,000 | 2,168,000 |
| Net income | 856,000 | 1,725,000 | 2,630,000 | 3,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,360,000 | 66,232,000 | 67,137,000 | 66,003,000 |
| Total capital | 69,576,000 | 70,417,000 | 71,352,000 | 70,201,000 |
| Risk-weighted assets | 333,063,000 | 331,232,000 | 333,627,000 | 332,651,000 |