Call reports 2015
ATLANTIC COMMUNITY BANK — 2015
What ATLANTIC COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 78,703,000 | 81,075,000 | 80,270,000 | 86,830,000 |
| Total loans | 62,791,000 | 60,023,000 | 59,893,000 | 59,523,000 |
| Allowance for loan losses | 753,000 | 746,000 | 630,000 | 610,000 |
| Securities available for sale | 848,000 | 842,000 | 807,000 | 805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,039,000 | 69,982,000 | 69,088,000 | 75,661,000 |
| Interest-bearing deposits | 42,716,000 | 41,976,000 | 40,098,000 | 40,278,000 |
| Noninterest-bearing deposits | 26,323,000 | 28,006,000 | 28,990,000 | 35,383,000 |
| Equity capital | 8,232,000 | 9,658,000 | 9,699,000 | 9,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,563,000 | 2,351,000 | 3,134,000 |
| Interest expense | 65,000 | 120,000 | 176,000 | 230,000 |
| Net interest income | 695,000 | 1,443,000 | 2,175,000 | 2,904,000 |
| Noninterest income | 107,000 | 337,000 | 473,000 | 603,000 |
| Noninterest expense | 635,000 | 1,339,000 | 2,013,000 | 2,743,000 |
| Provision for loan losses | 62,000 | 194,000 | 284,000 | 304,000 |
| Pretax income | 105,000 | 247,000 | 351,000 | 460,000 |
| Income tax | 4,000 | -1,283,000 | -1,214,000 | -1,169,000 |
| Net income | 101,000 | 1,530,000 | 1,565,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,971,000 | 7,108,000 | 7,165,000 | 7,229,000 |
| Total capital | 7,724,000 | 7,844,000 | 7,795,000 | 7,839,000 |
| Risk-weighted assets | 61,242,000 | 57,370,000 | 56,883,000 | 56,170,000 |