Call reports 2022
AMERICAN COMMUNITY BANK & TRUST — 2022
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 893,949,000 | 913,687,000 | 936,712,000 | 916,141,000 |
| Total loans | 497,238,000 | 508,795,000 | 530,185,000 | 573,822,000 |
| Allowance for loan losses | 7,611,000 | 7,762,000 | 7,961,000 | 8,112,000 |
| Securities available for sale | 239,356,000 | 252,767,000 | 249,850,000 | 248,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,735,000 | 824,466,000 | 848,811,000 | 824,232,000 |
| Interest-bearing deposits | 557,995,000 | 584,164,000 | 596,475,000 | 576,583,000 |
| Noninterest-bearing deposits | 241,740,000 | 240,301,000 | 252,337,000 | 247,650,000 |
| Equity capital | 86,800,000 | 86,873,000 | 85,922,000 | 88,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,261,000 | 13,586,000 | 21,671,000 | 31,014,000 |
| Interest expense | 390,000 | 1,003,000 | 2,372,000 | 4,805,000 |
| Net interest income | 5,871,000 | 12,583,000 | 19,299,000 | 26,209,000 |
| Noninterest income | 962,000 | 2,045,000 | 3,003,000 | 3,901,000 |
| Noninterest expense | 3,662,000 | 7,471,000 | 11,440,000 | 15,719,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,021,000 | 6,660,000 | 10,215,000 | 13,594,000 |
| Income tax | 803,000 | 1,785,000 | 2,735,000 | 3,668,000 |
| Net income | 2,218,000 | 4,875,000 | 7,480,000 | 9,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,073,000 | 94,756,000 | 97,387,000 | 99,859,000 |