Call reports 2004
ATLANTIC COMMUNITY BANKERS BANK — 2004
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 333,267,000 | 280,196,000 | 331,880,000 | 390,492,000 |
| Total loans | 188,682,000 | 184,044,000 | 211,455,000 | 240,925,000 |
| Allowance for loan losses | 3,821,000 | 3,873,000 | 4,764,000 | 4,809,000 |
| Securities available for sale | 28,871,000 | 27,295,000 | 29,317,000 | 28,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,001,000 | 69,280,000 | 80,892,000 | 91,564,000 |
| Interest-bearing deposits | 36,745,000 | 22,984,000 | 34,941,000 | 49,024,000 |
| Noninterest-bearing deposits | 46,256,000 | 46,296,000 | 45,951,000 | 42,540,000 |
| Equity capital | 34,051,000 | 35,151,000 | 36,908,000 | 37,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,262,000 | 6,603,000 | 10,567,000 | 14,842,000 |
| Interest expense | 563,000 | 1,171,000 | 2,027,000 | 3,375,000 |
| Net interest income | 2,699,000 | 5,432,000 | 8,540,000 | 11,467,000 |
| Noninterest income | 598,000 | 1,237,000 | 1,868,000 | 2,452,000 |
| Noninterest expense | 1,469,000 | 3,133,000 | 4,846,000 | 6,951,000 |
| Provision for loan losses | 136,000 | 144,000 | 143,000 | 188,000 |
| Pretax income | 1,692,000 | 3,392,000 | 5,419,000 | 6,780,000 |
| Income tax | 561,000 | 1,125,000 | 1,788,000 | 2,230,000 |
| Net income | 1,131,000 | 2,267,000 | 3,631,000 | 4,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,000,000 | 35,457,000 | 36,977,000 | 37,646,000 |
| Total capital | 37,235,000 | 38,763,000 | 40,525,000 | 41,804,000 |
| Risk-weighted assets | 258,248,000 | 263,930,000 | 282,598,000 | 332,005,000 |