Call reports 2002
ATLANTIC COMMUNITY BANKERS BANK — 2002
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 272,765,000 | 338,718,000 | 288,968,000 | 254,769,000 |
| Total loans | 191,016,000 | 184,953,000 | 197,092,000 | 176,312,000 |
| Allowance for loan losses | 4,148,000 | 4,396,000 | 4,625,000 | 4,416,000 |
| Securities available for sale | 4,500,000 | 4,522,000 | 4,550,000 | 4,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,224,000 | 101,816,000 | 85,961,000 | 89,516,000 |
| Interest-bearing deposits | 23,125,000 | 52,821,000 | 38,440,000 | 28,534,000 |
| Noninterest-bearing deposits | 42,099,000 | 48,995,000 | 47,521,000 | 60,982,000 |
| Equity capital | 25,865,000 | 26,848,000 | 27,862,000 | 28,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,422,000 | 6,991,000 | 10,615,000 | 13,973,000 |
| Interest expense | 802,000 | 1,695,000 | 2,718,000 | 3,476,000 |
| Net interest income | 2,620,000 | 5,296,000 | 7,897,000 | 10,497,000 |
| Noninterest income | 207,000 | 396,000 | 558,000 | 673,000 |
| Noninterest expense | 800,000 | 1,637,000 | 2,560,000 | 4,076,000 |
| Provision for loan losses | 523,000 | 1,221,000 | 1,611,000 | 1,641,000 |
| Pretax income | 1,504,000 | 2,834,000 | 4,284,000 | 5,333,000 |
| Income tax | 504,000 | 949,000 | 1,450,000 | 1,873,000 |
| Net income | 1,000,000 | 1,885,000 | 2,834,000 | 3,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,844,000 | 26,817,000 | 27,826,000 | 28,468,000 |
| Total capital | 28,943,000 | 29,923,000 | 30,856,000 | 31,274,000 |
| Risk-weighted assets | 246,833,000 | 247,224,000 | 240,821,000 | 222,900,000 |