Call reports 2007
ATLANTIC COMMUNITY BANKERS BANK — 2007
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 473,937,000 | 430,454,000 | 427,506,000 | 460,990,000 |
| Total loans | 282,184,000 | 274,051,000 | 290,644,000 | 302,190,000 |
| Allowance for loan losses | 5,563,000 | 5,563,000 | 5,269,000 | 6,543,000 |
| Securities available for sale | 29,070,000 | 28,948,000 | 35,161,000 | 76,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,712,000 | 68,737,000 | 102,759,000 | 118,669,000 |
| Interest-bearing deposits | 60,884,000 | 37,499,000 | 65,669,000 | 76,848,000 |
| Noninterest-bearing deposits | 42,828,000 | 31,238,000 | 37,090,000 | 41,821,000 |
| Equity capital | 46,994,000 | 47,585,000 | 48,608,000 | 47,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,891,000 | 13,625,000 | 20,342,000 | 27,108,000 |
| Interest expense | 4,317,000 | 8,464,000 | 12,587,000 | 16,663,000 |
| Net interest income | 2,574,000 | 5,161,000 | 7,755,000 | 10,445,000 |
| Noninterest income | 899,000 | 1,750,000 | 3,048,000 | 4,446,000 |
| Noninterest expense | 2,532,000 | 5,278,000 | 8,225,000 | 10,735,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,990,000 |
| Pretax income | 941,000 | 1,633,000 | 2,578,000 | 2,166,000 |
| Income tax | 302,000 | 506,000 | 800,000 | 643,000 |
| Net income | 639,000 | 1,127,000 | 1,778,000 | 1,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,301,000 | 47,999,000 | 48,711,000 | 47,587,000 |
| Total capital | 51,736,000 | 52,474,000 | 53,462,000 | 52,216,000 |
| Risk-weighted assets | 353,698,000 | 356,906,000 | 379,575,000 | 368,413,000 |