Call reports 2005
ATLANTIC COMMUNITY BANKERS BANK — 2005
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 340,461,000 | 403,111,000 | 403,153,000 | 398,218,000 |
| Total loans | 243,807,000 | 270,646,000 | 271,572,000 | 282,480,000 |
| Allowance for loan losses | 4,892,000 | 5,022,000 | 5,079,000 | 5,519,000 |
| Securities available for sale | 27,611,000 | 28,109,000 | 28,355,000 | 27,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,295,000 | 111,427,000 | 168,694,000 | 149,372,000 |
| Interest-bearing deposits | 54,915,000 | 41,085,000 | 128,960,000 | 101,930,000 |
| Noninterest-bearing deposits | 42,380,000 | 70,342,000 | 39,734,000 | 47,442,000 |
| Equity capital | 38,566,000 | 41,277,000 | 42,283,000 | 42,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,604,000 | 9,881,000 | 15,558,000 | 21,677,000 |
| Interest expense | 1,646,000 | 3,754,000 | 6,366,000 | 9,404,000 |
| Net interest income | 2,958,000 | 6,127,000 | 9,192,000 | 12,273,000 |
| Noninterest income | 587,000 | 2,725,000 | 3,275,000 | 3,815,000 |
| Noninterest expense | 1,637,000 | 4,181,000 | 6,255,000 | 8,896,000 |
| Provision for loan losses | 83,000 | 213,000 | 273,000 | 713,000 |
| Pretax income | 1,825,000 | 4,458,000 | 5,939,000 | 6,479,000 |
| Income tax | 594,000 | 956,000 | 1,449,000 | 1,612,000 |
| Net income | 1,231,000 | 3,502,000 | 4,490,000 | 4,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,027,000 | 41,549,000 | 42,637,000 | 42,797,000 |
| Total capital | 43,290,000 | 46,229,000 | 47,232,000 | 47,697,000 |
| Risk-weighted assets | 340,447,000 | 374,089,000 | 367,146,000 | 391,402,000 |