Call reports 2021
AMERICAN COMMUNITY BANK & TRUST — 2021
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 859,916,000 | 854,302,000 | 861,402,000 | 899,987,000 |
| Total loans | 620,597,000 | 539,704,000 | 518,182,000 | 518,336,000 |
| Allowance for loan losses | 6,797,000 | 7,024,000 | 7,253,000 | 7,460,000 |
| Securities available for sale | 134,925,000 | 151,218,000 | 167,684,000 | 184,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 771,205,000 | 762,057,000 | 766,337,000 | 803,397,000 |
| Interest-bearing deposits | 521,506,000 | 519,409,000 | 521,204,000 | 559,823,000 |
| Noninterest-bearing deposits | 249,698,000 | 242,648,000 | 245,133,000 | 243,574,000 |
| Equity capital | 82,195,000 | 85,112,000 | 88,202,000 | 89,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,851,000 | 14,171,000 | 20,560,000 | 27,134,000 |
| Interest expense | 567,000 | 1,080,000 | 1,549,000 | 1,986,000 |
| Net interest income | 6,284,000 | 13,091,000 | 19,011,000 | 25,148,000 |
| Noninterest income | 720,000 | 1,513,000 | 3,656,000 | 4,441,000 |
| Noninterest expense | 3,264,000 | 6,595,000 | 10,027,000 | 13,884,000 |
| Provision for loan losses | 375,000 | 750,000 | 975,000 | 1,175,000 |
| Pretax income | 3,367,000 | 7,269,000 | 11,675,000 | 14,540,000 |
| Income tax | 927,000 | 2,087,000 | 3,298,000 | 4,067,000 |
| Net income | 2,440,000 | 5,182,000 | 8,377,000 | 10,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,746,000 | 84,504,000 | 87,714,000 | 89,825,000 |