Call reports 2017
AMERICAN COMMUNITY BANK & TRUST — 2017
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 545,822,000 | 525,171,000 | 544,511,000 | 557,561,000 |
| Total loans | 322,692,000 | 329,725,000 | 331,526,000 | 347,588,000 |
| Allowance for loan losses | 5,958,000 | 5,606,000 | 5,107,000 | 4,897,000 |
| Securities available for sale | 85,314,000 | 85,089,000 | 84,839,000 | 86,662,000 |
| Securities held to maturity | 3,530,000 | 3,473,000 | 6,413,000 | 7,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,384,000 | 451,812,000 | 473,087,000 | 485,879,000 |
| Interest-bearing deposits | 369,023,000 | 354,736,000 | 367,792,000 | 377,574,000 |
| Noninterest-bearing deposits | 103,360,000 | 97,077,000 | 105,295,000 | 108,305,000 |
| Equity capital | 71,318,000 | 71,743,000 | 69,888,000 | 70,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,211,000 | 8,552,000 | 13,040,000 | 17,621,000 |
| Interest expense | 373,000 | 802,000 | 1,322,000 | 1,863,000 |
| Net interest income | 3,838,000 | 7,750,000 | 11,718,000 | 15,758,000 |
| Noninterest income | 627,000 | 959,000 | 1,107,000 | 1,356,000 |
| Noninterest expense | 2,788,000 | 5,540,000 | 8,250,000 | 11,048,000 |
| Provision for loan losses | 0 | -300,000 | -800,000 | -800,000 |
| Pretax income | 1,677,000 | 3,469,000 | 5,375,000 | 6,866,000 |
| Income tax | 625,000 | 1,302,000 | 2,033,000 | 3,024,000 |
| Net income | 1,052,000 | 2,167,000 | 3,342,000 | 3,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,272,000 | 71,687,000 | 69,864,000 | 70,364,000 |
| Total capital | 75,800,000 | 76,283,000 | 74,503,000 | 75,166,000 |
| Risk-weighted assets | 360,844,000 | 366,692,000 | 370,667,000 | 384,099,000 |