Call reports 2019
AMERICAN COMMUNITY BANK & TRUST — 2019
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 546,412,000 | 572,755,000 | 580,848,000 | 591,849,000 |
| Total loans | 364,618,000 | 376,457,000 | 378,470,000 | 382,322,000 |
| Allowance for loan losses | 4,503,000 | 4,583,000 | 4,687,000 | 4,762,000 |
| Securities available for sale | 96,260,000 | 95,616,000 | 88,192,000 | 89,444,000 |
| Securities held to maturity | 5,820,000 | 5,719,000 | 5,618,000 | 5,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,705,000 | 494,903,000 | 502,323,000 | 511,786,000 |
| Interest-bearing deposits | 367,866,000 | 387,057,000 | 387,066,000 | 395,427,000 |
| Noninterest-bearing deposits | 100,838,000 | 107,846,000 | 115,256,000 | 116,360,000 |
| Equity capital | 75,766,000 | 75,285,000 | 75,664,000 | 76,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,377,000 | 10,845,000 | 16,551,000 | 22,116,000 |
| Interest expense | 1,155,000 | 2,398,000 | 3,769,000 | 4,837,000 |
| Net interest income | 4,222,000 | 8,447,000 | 12,782,000 | 17,279,000 |
| Noninterest income | 640,000 | 1,299,000 | 978,000 | 1,570,000 |
| Noninterest expense | 3,161,000 | 6,464,000 | 9,934,000 | 13,502,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,626,000 | 3,132,000 | 3,601,000 | 5,047,000 |
| Income tax | 417,000 | 805,000 | 899,000 | 1,259,000 |
| Net income | 1,209,000 | 2,327,000 | 2,702,000 | 3,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,849,000 | 74,973,000 | 75,352,000 | 76,444,000 |
| Total capital | 80,352,000 | 79,556,000 | 80,039,000 | 81,206,000 |
| Risk-weighted assets | 407,456,000 | 421,816,000 | 426,624,000 | 443,438,000 |