Call reports 2013
ATLANTIC COMMUNITY BANK — 2013
What ATLANTIC COMMUNITY 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 | 76,712,000 | 76,751,000 | 76,893,000 | 77,788,000 |
| Total loans | 57,896,000 | 58,967,000 | 58,821,000 | 60,861,000 |
| Allowance for loan losses | 1,297,000 | 1,231,000 | 1,255,000 | 1,135,000 |
| Securities available for sale | 1,001,000 | 987,000 | 914,000 | 911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,615,000 | 60,561,000 | 60,632,000 | 62,549,000 |
| Interest-bearing deposits | 41,398,000 | 41,457,000 | 39,105,000 | 37,898,000 |
| Noninterest-bearing deposits | 19,217,000 | 19,104,000 | 21,527,000 | 24,651,000 |
| Equity capital | 6,941,000 | 7,004,000 | 7,032,000 | 7,061,000 |
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 | 827,000 | 1,618,000 | 2,431,000 | 3,237,000 |
| Interest expense | 145,000 | 279,000 | 412,000 | 995,000 |
| Net interest income | 682,000 | 1,339,000 | 2,019,000 | 2,242,000 |
| Noninterest income | 56,000 | 153,000 | 266,000 | 352,000 |
| Noninterest expense | 575,000 | 1,194,000 | 1,788,000 | 2,445,000 |
| Provision for loan losses | 93,000 | 156,000 | 291,000 | 409,000 |
| Pretax income | 70,000 | 142,000 | 206,000 | -260,000 |
| Income tax | 0 | 0 | 3,000 | -494,000 |
| Net income | 70,000 | 142,000 | 203,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,931,000 | 7,004,000 | 7,065,000 | 6,693,000 |
| Total capital | 7,626,000 | 7,704,000 | 7,764,000 | 7,416,000 |
| Risk-weighted assets | 54,973,000 | 55,473,000 | 55,331,000 | 57,395,000 |