Call reports 2012
ATLANTIC COMMUNITY BANKERS BANK — 2012
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 592,199,000 | 589,980,000 | 600,260,000 | 546,819,000 |
| Total loans | 261,758,000 | 262,133,000 | 237,975,000 | 218,777,000 |
| Allowance for loan losses | 12,661,000 | 12,213,000 | 12,244,000 | 12,273,000 |
| Securities available for sale | 83,422,000 | 81,163,000 | 78,424,000 | 80,779,000 |
| Securities held to maturity | 15,086,000 | 15,080,000 | 15,074,000 | 15,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,320,000 | 385,423,000 | 397,767,000 | 336,269,000 |
| Interest-bearing deposits | 75,671,000 | 86,458,000 | 80,541,000 | 78,052,000 |
| Noninterest-bearing deposits | 302,649,000 | 298,965,000 | 317,226,000 | 258,217,000 |
| Equity capital | 60,684,000 | 62,149,000 | 63,977,000 | 64,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,341,000 | 6,711,000 | 10,332,000 | 13,416,000 |
| Interest expense | 438,000 | 911,000 | 1,371,000 | 1,786,000 |
| Net interest income | 2,903,000 | 5,800,000 | 8,961,000 | 11,630,000 |
| Noninterest income | 2,667,000 | 5,227,000 | 8,187,000 | 10,736,000 |
| Noninterest expense | 4,204,000 | 8,197,000 | 12,801,000 | 17,440,000 |
| Provision for loan losses | 225,000 | 453,000 | 683,000 | 683,000 |
| Pretax income | 1,407,000 | 2,738,000 | 4,025,000 | 4,604,000 |
| Income tax | 450,000 | 864,000 | 1,240,000 | 1,372,000 |
| Net income | 957,000 | 1,874,000 | 2,785,000 | 3,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,931,000 | 60,988,000 | 62,179,000 | 62,632,000 |
| Total capital | 63,488,000 | 64,574,000 | 65,477,000 | 66,009,000 |
| Risk-weighted assets | 275,152,000 | 277,958,000 | 254,600,000 | 261,095,000 |