Call reports 2009
ATLANTIC COMMUNITY BANKERS BANK — 2009
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 639,638,000 | 680,387,000 | 673,674,000 | 682,215,000 |
| Total loans | 368,182,000 | 458,877,000 | 455,637,000 | 390,714,000 |
| Allowance for loan losses | 10,562,000 | 11,206,000 | 13,558,000 | 14,060,000 |
| Securities available for sale | 44,384,000 | 43,116,000 | 51,868,000 | 54,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,783,000 | 150,234,000 | 183,089,000 | 175,861,000 |
| Interest-bearing deposits | 4,804,000 | 4,834,000 | 23,879,000 | 37,391,000 |
| Noninterest-bearing deposits | 204,979,000 | 145,400,000 | 159,210,000 | 138,470,000 |
| Equity capital | 50,525,000 | 51,268,000 | 51,783,000 | 51,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,283,000 | 10,187,000 | 15,014,000 | 19,918,000 |
| Interest expense | 423,000 | 807,000 | 1,202,000 | 1,684,000 |
| Net interest income | 4,860,000 | 9,380,000 | 13,812,000 | 18,234,000 |
| Noninterest income | 1,663,000 | 3,868,000 | 5,895,000 | 7,993,000 |
| Noninterest expense | 3,535,000 | 7,035,000 | 10,753,000 | 14,826,000 |
| Provision for loan losses | 2,120,000 | 4,853,000 | 7,767,000 | 9,791,000 |
| Pretax income | 868,000 | 1,615,000 | 1,687,000 | 2,441,000 |
| Income tax | 289,000 | 537,000 | 555,000 | 748,000 |
| Net income | 579,000 | 1,078,000 | 1,132,000 | 1,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,312,000 | 51,291,000 | 51,605,000 | 52,177,000 |
| Total capital | 55,123,000 | 56,367,000 | 56,551,000 | 56,856,000 |
| Risk-weighted assets | 379,104,000 | 399,928,000 | 387,047,000 | 364,920,000 |