Call reports 2025
AMERICAN COMMUNITY BANK & TRUST — 2025
What AMERICAN COMMUNITY BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,037,593,000 | 1,046,526,000 | 1,094,715,000 | 1,140,613,000 |
| Total loans | 678,080,000 | 738,148,000 | 741,081,000 | 762,987,000 |
| Allowance for loan losses | 8,226,000 | 9,318,000 | 9,619,000 | 8,917,000 |
| Securities available for sale | 260,776,000 | 186,975,000 | 235,325,000 | 251,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 887,589,000 | 894,401,000 | 940,214,000 | 983,641,000 |
| Interest-bearing deposits | 655,361,000 | 649,036,000 | 699,930,000 | 741,456,000 |
| Noninterest-bearing deposits | 232,228,000 | 245,365,000 | 240,284,000 | 242,185,000 |
| Equity capital | 110,831,000 | 112,006,000 | 113,439,000 | 113,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,243,000 | 26,927,000 | 41,726,000 | 57,004,000 |
| Interest expense | 4,572,000 | 9,128,000 | 13,924,000 | 18,559,000 |
| Net interest income | 8,671,000 | 17,799,000 | 27,802,000 | 38,445,000 |
| Noninterest income | 1,298,000 | 2,713,000 | 4,251,000 | 5,823,000 |
| Noninterest expense | 5,175,000 | 10,851,000 | 16,678,000 | 23,013,000 |
| Provision for loan losses | 495,000 | 5,256,000 | 5,829,000 | 6,263,000 |
| Pretax income | 4,269,000 | 4,746,000 | 9,785,000 | 14,991,000 |
| Income tax | 1,117,000 | 1,120,000 | 2,447,000 | 3,792,000 |
| Net income | 3,152,000 | 3,626,000 | 7,338,000 | 11,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,902,000 | 114,487,000 | 115,312,000 | 115,289,000 |