Call reports 2006
ATLANTIC COMMUNITY BANKERS BANK — 2006
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 432,624,000 | 427,642,000 | 410,999,000 | 408,583,000 |
| Total loans | 270,688,000 | 278,615,000 | 284,150,000 | 278,739,000 |
| Allowance for loan losses | 5,563,000 | 5,563,000 | 5,563,000 | 5,563,000 |
| Securities available for sale | 28,565,000 | 28,729,000 | 27,406,000 | 28,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,110,000 | 63,919,000 | 48,727,000 | 130,495,000 |
| Interest-bearing deposits | 77,446,000 | 20,209,000 | 13,640,000 | 91,562,000 |
| Noninterest-bearing deposits | 43,664,000 | 43,710,000 | 35,087,000 | 38,933,000 |
| Equity capital | 43,574,000 | 44,779,000 | 45,968,000 | 45,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,387,000 | 13,053,000 | 20,139,000 | 26,950,000 |
| Interest expense | 3,393,000 | 7,258,000 | 11,430,000 | 15,524,000 |
| Net interest income | 2,994,000 | 5,795,000 | 8,709,000 | 11,426,000 |
| Noninterest income | 578,000 | 1,498,000 | 2,185,000 | 3,449,000 |
| Noninterest expense | 2,136,000 | 4,491,000 | 6,897,000 | 9,642,000 |
| Provision for loan losses | 30,000 | 30,000 | 18,000 | 18,000 |
| Pretax income | 1,406,000 | 2,772,000 | 3,979,000 | 5,215,000 |
| Income tax | 434,000 | 875,000 | 1,261,000 | 1,509,000 |
| Net income | 972,000 | 1,897,000 | 2,718,000 | 3,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,219,000 | 45,394,000 | 46,365,000 | 46,160,000 |
| Total capital | 48,988,000 | 50,091,000 | 51,119,000 | 50,623,000 |
| Risk-weighted assets | 380,708,000 | 374,903,000 | 379,533,000 | 355,946,000 |