Call reports 2016
ATLANTIC COMMUNITY BANKERS BANK — 2016
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 551,585,000 | 572,977,000 | 578,202,000 | 610,941,000 |
| Total loans | 226,087,000 | 216,384,000 | 236,710,000 | 251,429,000 |
| Allowance for loan losses | 8,662,000 | 8,254,000 | 8,384,000 | 8,389,000 |
| Securities available for sale | 62,179,000 | 71,582,000 | 80,362,000 | 74,578,000 |
| Securities held to maturity | 15,178,000 | 14,249,000 | 14,869,000 | 13,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,027,000 | 357,782,000 | 363,912,000 | 369,551,000 |
| Interest-bearing deposits | 103,586,000 | 107,497,000 | 101,812,000 | 120,260,000 |
| Noninterest-bearing deposits | 258,441,000 | 250,285,000 | 262,100,000 | 249,291,000 |
| Equity capital | 75,569,000 | 76,627,000 | 77,429,000 | 76,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,367,000 | 6,682,000 | 9,941,000 | 13,404,000 |
| Interest expense | 595,000 | 1,244,000 | 1,919,000 | 2,653,000 |
| Net interest income | 2,772,000 | 5,438,000 | 8,022,000 | 10,751,000 |
| Noninterest income | 3,431,000 | 6,983,000 | 10,147,000 | 12,929,000 |
| Noninterest expense | 4,379,000 | 8,878,000 | 13,263,000 | 18,038,000 |
| Provision for loan losses | 0 | -395,000 | -90,000 | -90,000 |
| Pretax income | 1,824,000 | 3,938,000 | 4,996,000 | 5,732,000 |
| Income tax | 508,000 | 1,124,000 | 1,406,000 | 1,670,000 |
| Net income | 1,130,000 | 2,469,000 | 3,224,000 | 3,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,013,000 | 75,850,000 | 76,606,000 | 77,032,000 |
| Total capital | 78,957,000 | 79,709,000 | 80,900,000 | 81,002,000 |
| Risk-weighted assets | 303,370,000 | 300,931,000 | 333,975,000 | 339,898,000 |