Call reports 2003
ATLANTIC COMMUNITY BANKERS BANK — 2003
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 305,884,000 | 299,367,000 | 265,129,000 | 281,577,000 |
| Total loans | 194,110,000 | 183,684,000 | 181,539,000 | 176,663,000 |
| Allowance for loan losses | 4,613,000 | 4,558,000 | 4,358,000 | 4,044,000 |
| Securities available for sale | 4,273,000 | 4,272,000 | 4,242,000 | 3,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,943,000 | 80,745,000 | 80,086,000 | 70,020,000 |
| Interest-bearing deposits | 39,323,000 | 28,280,000 | 26,062,000 | 26,379,000 |
| Noninterest-bearing deposits | 50,620,000 | 52,465,000 | 54,024,000 | 43,641,000 |
| Equity capital | 29,720,000 | 30,890,000 | 32,413,000 | 32,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,199,000 | 6,481,000 | 9,824,000 | 13,007,000 |
| Interest expense | 612,000 | 1,274,000 | 1,762,000 | 2,244,000 |
| Net interest income | 2,587,000 | 5,207,000 | 8,062,000 | 10,763,000 |
| Noninterest income | 343,000 | 1,181,000 | 1,741,000 | 2,314,000 |
| Noninterest expense | 1,099,000 | 2,746,000 | 4,243,000 | 6,116,000 |
| Provision for loan losses | 180,000 | 362,000 | 362,000 | 362,000 |
| Pretax income | 1,651,000 | 3,280,000 | 5,198,000 | 6,442,000 |
| Income tax | 542,000 | 1,082,000 | 1,721,000 | 2,186,000 |
| Net income | 1,109,000 | 2,198,000 | 3,477,000 | 4,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,694,000 | 30,869,000 | 32,399,000 | 32,734,000 |
| Total capital | 32,717,000 | 33,927,000 | 35,478,000 | 35,815,000 |
| Risk-weighted assets | 240,253,000 | 243,158,000 | 245,079,000 | 245,485,000 |