Call reports 2015
ATLANTIC COMMUNITY BANKERS BANK — 2015
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 583,384,000 | 556,586,000 | 601,158,000 | 577,405,000 |
| Total loans | 207,537,000 | 211,372,000 | 215,351,000 | 227,746,000 |
| Allowance for loan losses | 9,300,000 | 8,712,000 | 8,708,000 | 8,638,000 |
| Securities available for sale | 56,177,000 | 65,425,000 | 62,653,000 | 64,218,000 |
| Securities held to maturity | 15,510,000 | 15,504,000 | 15,499,000 | 15,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,822,000 | 378,111,000 | 409,889,000 | 372,906,000 |
| Interest-bearing deposits | 101,794,000 | 101,314,000 | 106,365,000 | 106,375,000 |
| Noninterest-bearing deposits | 297,028,000 | 276,797,000 | 303,524,000 | 266,531,000 |
| Equity capital | 72,394,000 | 72,767,000 | 74,092,000 | 74,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,854,000 | 5,816,000 | 8,826,000 | 12,105,000 |
| Interest expense | 474,000 | 965,000 | 1,457,000 | 2,021,000 |
| Net interest income | 2,380,000 | 4,851,000 | 7,369,000 | 10,084,000 |
| Noninterest income | 3,191,000 | 6,222,000 | 9,548,000 | 12,705,000 |
| Noninterest expense | 4,479,000 | 8,868,000 | 13,385,000 | 18,098,000 |
| Provision for loan losses | -410,000 | -410,000 | -410,000 | -410,000 |
| Pretax income | 1,502,000 | 2,615,000 | 3,942,000 | 5,101,000 |
| Income tax | 437,000 | 769,000 | 1,133,000 | 1,432,000 |
| Net income | 982,000 | 1,786,000 | 2,654,000 | 3,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,833,000 | 72,717,000 | 73,665,000 | 74,382,000 |
| Total capital | 75,859,000 | 76,432,000 | 77,520,000 | 78,190,000 |
| Risk-weighted assets | 280,310,000 | 297,250,000 | 302,520,000 | 307,361,000 |