Call reports 2025
ATLANTIC COMMUNITY BANKERS BANK — 2025
What ATLANTIC COMMUNITY BANKERS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 942,449,000 | 947,464,000 | 955,406,000 | 939,576,000 |
| Total loans | 561,047,000 | 570,221,000 | 565,755,000 | 560,740,000 |
| Allowance for loan losses | 11,017,000 | 11,401,000 | 11,248,000 | 11,373,000 |
| Securities available for sale | 172,129,000 | 169,724,000 | 169,679,000 | 172,067,000 |
| Securities held to maturity | 22,529,000 | 22,506,000 | 22,484,000 | 22,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 578,779,000 | 563,677,000 | 591,968,000 | 571,006,000 |
| Interest-bearing deposits | 333,547,000 | 333,185,000 | 369,063,000 | 353,099,000 |
| Noninterest-bearing deposits | 245,232,000 | 230,492,000 | 222,905,000 | 217,907,000 |
| Equity capital | 138,722,000 | 141,174,000 | 144,456,000 | 147,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,244,000 | 25,038,000 | 37,802,000 | 50,691,000 |
| Interest expense | 5,999,000 | 12,231,000 | 18,711,000 | 24,904,000 |
| Net interest income | 6,245,000 | 12,807,000 | 19,091,000 | 25,787,000 |
| Noninterest income | 4,566,000 | 9,461,000 | 14,331,000 | 19,478,000 |
| Noninterest expense | 7,552,000 | 15,717,000 | 23,582,000 | 32,568,000 |
| Provision for loan losses | 34,000 | 393,000 | 234,000 | 333,000 |
| Pretax income | 3,233,000 | 6,176,000 | 9,342,000 | 12,035,000 |
| Income tax | 696,000 | 1,262,000 | 1,771,000 | 1,980,000 |
| Net income | 2,391,000 | 4,567,000 | 7,027,000 | 9,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,218,000 | 141,816,000 | 144,326,000 | 146,939,000 |
| Total capital | 148,470,000 | 151,222,000 | 153,774,000 | 156,483,000 |
| Risk-weighted assets | 692,128,000 | 700,959,000 | 705,935,000 | 713,249,000 |