Call reports 2013
ATLANTIC COMMUNITY BANKERS BANK — 2013
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 584,079,000 | 566,322,000 | 557,634,000 | 544,015,000 |
| Total loans | 214,480,000 | 192,804,000 | 196,771,000 | 197,816,000 |
| Allowance for loan losses | 12,217,000 | 11,727,000 | 11,673,000 | 10,568,000 |
| Securities available for sale | 73,543,000 | 76,848,000 | 77,659,000 | 74,051,000 |
| Securities held to maturity | 15,557,000 | 15,551,000 | 15,545,000 | 15,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,253,000 | 350,257,000 | 370,498,000 | 374,585,000 |
| Interest-bearing deposits | 73,078,000 | 75,685,000 | 84,387,000 | 95,720,000 |
| Noninterest-bearing deposits | 311,175,000 | 274,572,000 | 286,111,000 | 278,865,000 |
| Equity capital | 64,422,000 | 63,773,000 | 64,920,000 | 65,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,953,000 | 5,993,000 | 9,190,000 | 12,201,000 |
| Interest expense | 391,000 | 780,000 | 1,169,000 | 1,566,000 |
| Net interest income | 2,562,000 | 5,213,000 | 8,021,000 | 10,635,000 |
| Noninterest income | 2,878,000 | 5,720,000 | 8,416,000 | 11,166,000 |
| Noninterest expense | 5,291,000 | 9,500,000 | 13,657,000 | 18,344,000 |
| Provision for loan losses | 0 | 0 | 0 | -978,000 |
| Pretax income | 444,000 | 1,728,000 | 3,075,000 | 4,730,000 |
| Income tax | 264,000 | 627,000 | 965,000 | 1,489,000 |
| Net income | 672,000 | 1,527,000 | 2,335,000 | 3,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,110,000 | 64,028,000 | 65,133,000 | 66,388,000 |
| Total capital | 66,404,000 | 67,363,000 | 68,621,000 | 69,824,000 |
| Risk-weighted assets | 254,466,000 | 258,219,000 | 270,686,000 | 267,343,000 |