Call reports 2015
AMERICAN COMMUNITY BANK & TRUST — 2015
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 477,991,000 | 485,040,000 | 480,684,000 | 502,825,000 |
| Total loans | 325,975,000 | 329,273,000 | 326,043,000 | 326,115,000 |
| Allowance for loan losses | 7,348,000 | 7,351,000 | 6,748,000 | 6,520,000 |
| Securities available for sale | 49,044,000 | 50,742,000 | 51,012,000 | 50,306,000 |
| Securities held to maturity | 0 | 3,922,000 | 3,868,000 | 3,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,763,000 | 415,207,000 | 409,581,000 | 430,940,000 |
| Interest-bearing deposits | 332,124,000 | 323,860,000 | 320,888,000 | 342,046,000 |
| Noninterest-bearing deposits | 76,639,000 | 91,347,000 | 88,692,000 | 88,894,000 |
| Equity capital | 67,343,000 | 68,405,000 | 69,536,000 | 70,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,908,000 | 7,913,000 | 11,959,000 | 15,973,000 |
| Interest expense | 298,000 | 602,000 | 917,000 | 1,240,000 |
| Net interest income | 3,610,000 | 7,311,000 | 11,042,000 | 14,733,000 |
| Noninterest income | 661,000 | 1,226,000 | 1,771,000 | 2,120,000 |
| Noninterest expense | 2,628,000 | 5,182,000 | 7,944,000 | 10,629,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,692,000 | 3,405,000 | 4,919,000 | 6,277,000 |
| Income tax | 641,000 | 1,196,000 | 1,761,000 | 2,272,000 |
| Net income | 1,051,000 | 2,209,000 | 3,158,000 | 4,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,056,000 | 68,214,000 | 69,170,000 | 70,017,000 |
| Total capital | 71,526,000 | 72,680,000 | 73,602,000 | 74,424,000 |
| Risk-weighted assets | 354,758,000 | 354,399,000 | 352,233,000 | 350,414,000 |