Call reports 2013
ATLANTIC COAST BANK — 2013
What ATLANTIC COAST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 748,914,000 | 743,615,000 | 715,824,000 | 735,405,000 |
| Total loans | 474,765,000 | 459,185,000 | 411,839,000 | 401,081,000 |
| Allowance for loan losses | 10,466,000 | 10,029,000 | 9,522,000 | 6,946,000 |
| Securities available for sale | 154,371,000 | 160,856,000 | 158,070,000 | 159,731,000 |
| Securities held to maturity | 0 | 0 | 19,498,000 | 19,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,867,000 | 503,791,000 | 477,992,000 | 462,971,000 |
| Interest-bearing deposits | 456,104,000 | 458,255,000 | 436,936,000 | 425,316,000 |
| Noninterest-bearing deposits | 47,763,000 | 45,536,000 | 41,056,000 | 37,655,000 |
| Equity capital | 37,525,000 | 31,342,000 | 30,021,000 | 64,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,535,000 | 14,921,000 | 21,936,000 | 28,836,000 |
| Interest expense | 3,199,000 | 6,405,000 | 9,595,000 | 12,694,000 |
| Net interest income | 4,336,000 | 8,516,000 | 12,341,000 | 16,142,000 |
| Noninterest income | 1,707,000 | 3,607,000 | 4,994,000 | 2,466,000 |
| Noninterest expense | 6,814,000 | 13,217,000 | 18,091,000 | 22,996,000 |
| Provision for loan losses | 1,234,000 | 2,453,000 | 3,739,000 | 7,027,000 |
| Pretax income | -2,005,000 | -3,547,000 | -4,495,000 | -11,415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,005,000 | -3,547,000 | -4,495,000 | -11,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,701,000 | 36,165,000 | 35,189,000 | 72,276,000 |
| Total capital | 43,279,000 | 41,673,000 | 40,116,000 | 77,005,000 |
| Risk-weighted assets | 441,357,000 | 436,149,000 | 389,462,000 | 376,141,000 |
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