Call reports 2018
AMERICAN COMMUNITY BANK & TRUST — 2018
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 546,820,000 | 540,188,000 | 556,712,000 | 546,496,000 |
| Total loans | 348,097,000 | 358,089,000 | 361,591,000 | 370,312,000 |
| Allowance for loan losses | 4,903,000 | 4,888,000 | 4,769,000 | 4,423,000 |
| Securities available for sale | 90,958,000 | 96,536,000 | 101,524,000 | 101,902,000 |
| Securities held to maturity | 6,218,000 | 6,120,000 | 6,021,000 | 5,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,197,000 | 467,255,000 | 482,314,000 | 470,392,000 |
| Interest-bearing deposits | 377,342,000 | 345,582,000 | 384,827,000 | 365,115,000 |
| Noninterest-bearing deposits | 96,854,000 | 121,673,000 | 97,488,000 | 105,276,000 |
| Equity capital | 71,077,000 | 71,399,000 | 72,835,000 | 74,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,639,000 | 9,500,000 | 14,650,000 | 20,070,000 |
| Interest expense | 613,000 | 1,401,000 | 2,325,000 | 3,420,000 |
| Net interest income | 4,026,000 | 8,099,000 | 12,325,000 | 16,650,000 |
| Noninterest income | 615,000 | 1,311,000 | 1,835,000 | 2,072,000 |
| Noninterest expense | 2,899,000 | 5,768,000 | 8,545,000 | 11,635,000 |
| Provision for loan losses | 0 | 0 | -125,000 | -125,000 |
| Pretax income | 1,742,000 | 3,642,000 | 5,740,000 | 7,212,000 |
| Income tax | 451,000 | 944,000 | 1,491,000 | 1,949,000 |
| Net income | 1,291,000 | 2,698,000 | 4,249,000 | 5,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,658,000 | 72,068,000 | 73,622,000 | 74,638,000 |
| Total capital | 76,460,000 | 76,956,000 | 78,389,000 | 79,061,000 |
| Risk-weighted assets | 384,073,000 | 400,206,000 | 404,387,000 | 410,288,000 |