EX-99.1
2
ex99-1.txt
EXHIBIT 99.1


                                                                    Exhibit 99.1

PRESS RELEASE                                  FOR IMMEDIATE RELEASE
                                               Contact:
                                                 Robert W. White,
                                                 Chairman, President and CEO
                                                   or
                                                 Jack Sandoski,
                                                 Senior Vice President and CFO
                                                 (215) 886-8280


ABINGTON COMMUNITY BANCORP, INC. ANNOUNCES INCREASE IN NET
INCOME FOR THE SECOND QUARTER OF 2006

Jenkintown, PA (July 28, 2006) - Abington Community Bancorp, Inc. (the
"Company") (Nasdaq: ABBC), the "mid-tier" holding company for Abington Bank (the
"Bank"), reported net income of $1.8 million for the quarter ended June 30,
2006, representing an increase of 2.0% over the comparable 2005 period. Diluted
earnings per share increased to $0.12 for the quarter compared to $0.11 for the
second quarter of 2005. Additionally, the Company reported net income of $3.5
million for the first six months of 2006, representing an increase of 11.8% over
the comparable 2005 period. Diluted earnings per share increased to $0.23 for
the first six months of 2006 from $0.20 for the first six months of 2005.

Mr. Robert W. White, Chairman, President and CEO of the Company, stated, "We are
proud to report increased net income despite the flat yield curve that has
placed ongoing pressure on our interest rate spread and net interest margin. We
have been able to sustain our growth with new loan originations in excess of
$125 million for the first six months of 2006, and we plan to further continue
our growth with the opening of new branches in Concordville and Lansdale,
Pennsylvania in the fall of 2006 and in Springhouse and Chalfont, Pennsylvania
in the beginning of 2007."

Mr. White continued that, "We remain committed to providing enhanced returns and
long-term value to our stockholders. During the first six months of 2006 we
increased our quarterly cash dividend to $0.06 from $0.05, and we purchased
approximately 577,000 shares of Company stock in our stock repurchase program.
At the beginning of July, we were added to the Russell 3000 Index as part of
their annual reconstitution. We believe that the addition of Abington Community
Bancorp to this index representing the 3,000 U.S. public companies with the
highest market capitalization is indicative of our success serving our community
and our shareholders."

Net interest income was $5.8 million and $11.3 million for the three months and
six months ended June 30, 2006, respectively, representing increases of 10.3%
and 11.1%, respectively, over the comparable 2005 periods. Interest income for
the three months ended June 30, 2006

                                       1


increased $2.5 million or 26.3% over the comparable 2005 period. Interest income
for the six months ended June 30, 2006 increased $4.9 million or 26.5% over the
comparable 2005 period. For both the three-month and six-month periods, the
increase in interest income was primarily a result of growth in the average
balance of our loan portfolio combined with an increase in the average yield on
those assets. The average balance of our loan portfolio increased $112.9 million
or 25.4% to $558.5 million for the quarter ended June 30, 2006 from $445.5
million for the quarter ended June 30, 2005. The average yield on our loan
portfolio increased 58 basis points to 6.77% from 6.19% over the same period.
Similarly, the average balance of our loan portfolio increased $117.7 million or
27.3% to $548.5 million for the six months ended June 30, 2006 from $430.8
million for the six months ended June 30, 2005. The average yield on our loan
portfolio increased 51 basis points to 6.63% from 6.12% over the same six-month
period.

Our increase in interest income for both the three-month and six-month periods
was partially offset by an increase in our interest expense. Interest expense
for the three months ended June 30, 2006 increased $2.0 million or 45.2% over
the comparable 2005 period. Interest expense for the six months ended June 30,
2006 increased $3.8 million or 45.2% over the comparable 2005 period. For both
the three- and six-month periods, the increase in interest expense was primarily
the result of increases in the average balances of deposits and FHLB advances as
well as increases in the average rates paid on deposits, FHLB advances and other
borrowings. The majority of the increase in interest expense during these
periods, however, was due to the increase in interest expense on deposits.
During the three months ended June 30, 2006 compared to the three months ended
June 30, 2005, our average deposit balance grew by $83.9 million or 21.1%,
primarily due to growth in higher-rate certificates of deposit. During the six
months ended June 30, 2006 compared to the six months ended June 30, 2005, our
average deposit balance grew by $82.1 million or 21.1%, again, primarily due to
growth in higher-rate certificates of deposit. As a result of this growth, as
well as the rising interest rate environment, the average rate we paid on our
deposits increased 99 basis points to 3.20% for the second quarter of 2006 from
2.21% for the second quarter of 2005. Similarly, the average rate we paid on our
deposits increased 89 basis points to 3.03% for the first six months of 2006
from 2.14% for the first six months of 2005. Our average interest rate spread
for the second quarter of 2006 decreased to 2.23% from 2.33% for the second
quarter of 2005. Our average interest rate spread for the first six months of
2006 decreased to 2.22% from 2.31% for the first six months of 2005.

We made an $8,000 provision to the allowance for loan losses during the second
quarter of 2006 with no such provision during the second quarter of 2005. No
provision was made during the first quarter of either year. The provision for
loan losses is charged to expense as necessary to bring our allowance for loan
losses to a sufficient level to cover known and inherent losses in the loan
portfolio. The provision taken during the 2006 quarter was primarily the result
of growth in the loan portfolio while the overall credit quality of the loan
portfolio remains strong. At June 30, 2006, non-performing loans amounted to
0.05% of loans receivable and our allowance for loan losses amounted to 473.5%
of non-performing loans.

Our total non-interest income amounted to $751,000 for the second quarter of
2006 compared to $762,000 for the second quarter of 2005. The slight decrease
was due primarily to a $28,000 decrease in gain on derivative instruments, net,
as our final swap agreement expired in December

                                       2


2005, partially offset by a $23,000 increase in other non-interest income,
primarily due to an increase in appraisal income.

Our total non-interest income amounted to $1.4 million for the six months ended
June 30, 2006 compared to $1.3 million for the six months ended June 30, 2005.
The increase of $104,000 was due primarily to a $169,000 increase in income on
bank owned life insurance ("BOLI") and a $24,000 increase in other non-interest
income, partially offset by decreases in service charge income and in gain on
derivative instruments, net, of $37,000 and $43,000, respectively.

Our total non-interest expense for the second quarter of 2006 amounted to $4.0
million, representing an increase of $456,000 or 12.8% from the second quarter
of 2005. The overall increase was due primarily to increases in salaries and
employee benefits, depreciation, data processing, advertising and other
non-interest expense, partially offset by a decrease in professional services
expense. Salaries and employee benefits expense increased $249,000 or 13.3% for
the quarter ended June 30, 2006 compared to the quarter ended June 30, 2005.
This increase was primarily due to additional expenses of $186,000 in the
aggregate relating to the Company's 2005 Stock Option Plan ("SOP") and 2005
Recognition and Retention Plan ("RRP"). The remainder of the increase in
salaries and employee benefits expense was due to growth in the total number of
employees, normal merit increases in salaries, and higher health and insurance
benefit costs. The increase in depreciation expense of $47,000 was a result of
our increase in facilities, primarily due to the Bank's new branch in
Warrington, Pennsylvania which opened in April 2006. The increase in data
processing expense of $64,000 was due to an increase in the volume of our
deposit transactions, in part because of the new Warrington branch. The increase
in advertising expense of $29,000 was a result of increased advertising to
promote our deposit products. Additional expenses of approximately $77,000 were
recognized in other non-interest expense for SOP and RRP awards to directors,
but were somewhat offset by decreases in various other categories of other
non-interest expense. The decrease in professional services expense of $33,000
was primarily the result of our change in independent auditors.

Our total non-interest expense for the six months ended June 30, 2006 amounted
to $7.8 million, representing an increase of $762,000 or 10.8% from the six
months ended June 30, 2005. As was the case for the quarter ended June 30, 2006,
the overall increase for the six-month period was due primarily to increases in
salaries and employee benefits, depreciation, data processing, advertising and
other non-interest expense, partially offset by a decrease in professional
services expense. Salaries and employee benefits expense increased $566,000 or
15.4% for the six months ended June 30, 2006 compared to the six months ended
June 30, 2005. This increase was primarily due to additional expenses of
$368,000 in the aggregate relating to the SOP and RRP, with the remainder of the
increase due, again, to growth in the total number of employees, normal merit
increases in salaries, and higher health and insurance benefit costs. Increases
in depreciation of $72,000, data processing of $35,000 and advertising of
$29,000 for the six-month period resulted from the same factors that created the
increases for the three-month period. Additional expenses of approximately
$154,000 were recognized in other non-interest expense for SOP and RRP awards to
directors, but were somewhat offset by decreases in various other categories of
other non-interest expense. The decrease in professional services expense of
$63,000 was primarily the result of our change in independent auditors.

                                       3


Income tax expense for the second quarter of 2006 amounted to $731,000 compared
to $704,000 for the second quarter of 2005. Income tax expense for the six
months ended June 30, 2006 amounted to $1.4 million compared to $1.3 million for
the six months ended June 30, 2005. Our effective tax rate increased to 29.2%
for the quarter ended June 30, 2006, from 28.9% for quarter ended June 30, 2005,
however, our effective tax rate decreased to 29.0% for the six months ended June
30, 2006 from 29.9% for the six months ended June 30, 2005.

The Company's total assets increased $50.2 million, or 5.9%, to $894.3 million
at June 30, 2006 compared to $844.1 million at December 31, 2005. The primary
reason for the increase in total assets during the first six months of 2006 was
a $50.8 million or 9.6% increase in net loans receivable. The largest loan
growth occurred in one- to four-family residential loans, which increased $33.7
million or 10.4% and construction loans, which increased $15.1 million or 11.4%.
Additionally, multi-family residential and commercial loans increased $8.4
million or 11.0%. Also contributing to the overall increase in assets during the
first six months of 2006 was an increase in property and equipment, net, of $1.6
million or 25.1%, primarily as a result of increased investment in our new
branches. The first of these branches opened in April 2006 in Warrington,
Pennsylvania, with additional branches expected to open later this year and
early next year. These increases were somewhat offset by a decrease in
investment and mortgage-backed securities of $5.8 million in the aggregate,
which occurred as a portion of our maturities and repayments were reinvested
into new loans.

Our total deposits increased $40.8 million or 8.1% to $542.0 million at June 30,
2006 compared to $501.2 million at December 31, 2006. The increase was due
primarily to an increase in certificate accounts of $56.6 million that was
partially offset by a decrease in savings and money market accounts of $14.7
million. The shift towards higher-rate certificates of deposit is a result of
the increased rates available on those products relative to other deposit
products or other investments in the current interest rate environment. The
Company continues to remain focused on maintaining and growing its base of core
deposits over the long term. Our other borrowed money increased $6.9 million to
$23.0 million at June 30, 2006 compared to $16.1 million at December 31, 2006.
This increase reflects an increase in the amount of securities repurchase
agreements entered into with certain commercial checking account customers.

Our stockholders' equity decreased $6.8 million to $110.4 million at June 30,
2006 compared to $117.2 million at December 31, 2005. The decrease was primarily
due to the purchase of approximately 577,000 shares of the Company's common
stock for an aggregate of $8.2 million as part of the Company's stock repurchase
program announced in January 2006. The payment of the Company's quarterly cash
dividends of $0.05 and $0.06 per share in March and June, respectively, reduced
retained earnings by $1.7 million, however the addition of our net income for
the first six months of 2006, resulted in a net increase to retained earnings of
$1.8 million.

Abington Community Bancorp, Inc. is the "mid-tier" holding company for Abington
Bank. Abington Bank is a Pennsylvania-chartered, FDIC-insured savings bank which
was originally organized in 1867. Abington Bank conducts business from its
headquarters and main office in Jenkintown, Pennsylvania as well as eight
additional full service branch offices and four limited service banking offices
located in Montgomery and Bucks Counties, Pennsylvania. As of June 30,

                                       4


2006, Abington Community Bancorp had $894.3 million in total assets, $542.0
million in deposits and $110.4 million in stockholders' equity.

THIS NEWS RELEASE CONTAINS CERTAIN FORWARD-LOOKING STATEMENTS, INCLUDING
STATEMENTS ABOUT THE FINANCIAL CONDITION, RESULTS OF OPERATIONS AND EARNINGS
OUTLOOK FOR ABINGTON COMMUNITY BANCORP, INC. FORWARD-LOOKING STATEMENTS CAN BE
IDENTIFIED BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT
FACTS. THEY OFTEN INCLUDE WORDS SUCH AS "BELIEVE," "EXPECT," "ANTICIPATE,"
"ESTIMATE" AND "INTEND" OR FUTURE OR CONDITIONAL VERBS SUCH AS "WILL," "WOULD,"
"SHOULD," "COULD" OR "MAY." FORWARD-LOOKING STATEMENTS, BY THEIR NATURE, ARE
SUBJECT TO RISKS AND UNCERTAINTIES. A NUMBER OF FACTORS - MANY OF WHICH ARE
BEYOND THE COMPANY'S CONTROL - COULD CAUSE ACTUAL CONDITIONS, EVENTS OR RESULTS
TO DIFFER SIGNIFICANTLY FROM THOSE DESCRIBED IN THE FORWARD-LOOKING STATEMENTS.
THE COMPANY'S REPORTS FILED FROM TIME-TO-TIME WITH THE SECURITIES AND EXCHANGE
COMMISSION, DESCRIBE SOME OF THESE FACTORS, INCLUDING GENERAL ECONOMIC
CONDITIONS, CHANGES IN INTEREST RATES, DEPOSIT FLOWS, THE COST OF FUNDS, CHANGES
IN CREDIT QUALITY AND INTEREST RATE RISKS ASSOCIATED WITH THE COMPANY'S BUSINESS
AND OPERATIONS. OTHER FACTORS DESCRIBED INCLUDE CHANGES IN OUR LOAN PORTFOLIO,
CHANGES IN COMPETITION, FISCAL AND MONETARY POLICIES AND LEGISLATION AND
REGULATORY CHANGES. INVESTORS ARE ENCOURAGED TO ACCESS THE COMPANY'S PERIODIC
REPORTS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION FOR FINANCIAL AND
BUSINESS INFORMATION REGARDING THE COMPANY AT WWW.ABINGTONBANK.COM UNDER THE
INVESTOR RELATIONS MENU. WE UNDERTAKE NO OBLIGATION TO UPDATE ANY
FORWARD-LOOKING STATEMENTS.

                                       5


ABINGTON COMMUNITY BANCORP, INC. CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (unaudited) ----------------------------------------------------------------------------------------------------- June 30, 2006 December 31, 2005 --------------------------------- ASSETS Cash and due from banks $ 22,475,521 $ 19,460,237 Interest-bearing bank balances 7,386,320 8,254,004 ------------- ------------- Total cash and cash equivalents 29,861,841 27,714,241 Investment securities held to maturity (estimated fair value--2006, $19,914,744; 2005, $20,316,775) 20,394,511 20,395,593 Investment securities available for sale (amortized cost-- 2006, $79,658,366; 2005, $80,775,605) 77,261,482 78,828,696 Mortgage-backed securities held to maturity (estimated fair value--2006, $58,293,279; 2005, $65,505,255) 61,652,249 67,410,735 Mortgage-backed securities available for sale (amortized cost-- 2006, $85,076,504; 2005, $82,212,270) 81,470,959 79,943,379 Loans receivable, net of allowance for loan losses (2006, $1,445,726; 2005, $1,454,510) 580,326,426 529,487,209 Accrued interest receivable 3,734,826 3,475,350 Federal Home Loan Bank stock--at cost 11,478,700 11,061,200 Cash surrender value - bank owned life insurance 15,832,209 15,498,958 Property and equipment, net 8,147,091 6,510,144 Deferred tax asset 3,370,946 2,648,200 Prepaid expenses and other assets 719,850 1,098,106 ------------- ------------- TOTAL ASSETS $ 894,251,090 $ 844,071,811 ============= ============= LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Deposits: Noninterest-bearing $ 44,418,705 $ 43,333,286 Interest-bearing 497,602,068 457,849,738 ------------- ------------- Total deposits 542,020,773 501,183,024 Advances from Federal Home Loan Bank 203,620,254 201,444,952 Other borrowed money 22,998,861 16,113,949 Accrued interest payable 5,126,112 1,909,234 Advances from borrowers for taxes and insurance 4,224,574 2,384,314 Accounts payable and accrued expenses 5,827,040 3,805,571 ------------- ------------- Total liabilities 783,817,614 726,841,044 ------------- ------------- COMMITMENTS AND CONTINGENCIES STOCKHOLDERS' EQUITY Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued -- -- Common stock, $0.01 par value, 40,000,000 shares authorized, issued: 15,870,000 in 2006 and 2005, oustanding: 15,293,464 in 2006 and 15,870,000 in 2005 158,700 158,700 Additional paid-in capital 69,407,739 69,234,964 Treasury stock--at cost, 576,536 shares (8,240,427) -- Unallocated common stock held by: Employee Stock Ownership Plan (ESOP) (6,634,512) (6,880,236) Recognition & Retention Plan Trust (RRP) (2,974,680) (3,339,413) Deferred compensation plans trust (1,059,876) (1,050,000) Retained earnings 63,738,136 61,889,180 Accumulated other comprehensive loss (3,961,604) (2,782,428) ------------- ------------- Total stockholders' equity 110,433,476 117,230,767 ------------- ------------- TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 894,251,090 $ 844,071,811 ============= =============
6
ABINGTON COMMUNITY BANCORP, INC. CONSOLIDATED STATEMENTS OF INCOME (unaudited) ---------------------------------------------------------------------------------------------------------- Three Months Ended June 30, Six Months Ended June 30, --------------------------- ---------------------------- 2006 2005 2006 2005 ------------ ------------ ------------ ------------ INTEREST INCOME: Interest on loans $ 9,457,145 $ 6,898,217 $ 18,174,928 $ 13,176,841 Interest and dividends on investment and mortgage-backed securities: Taxable 2,538,558 2,621,826 4,884,370 5,138,415 Tax-exempt 212,726 146,049 427,208 257,394 ------------ ------------ ------------ ------------ Total interest income 12,208,429 9,666,092 23,486,506 18,572,650 INTEREST EXPENSE: Interest on deposits 3,847,817 2,188,623 7,146,477 4,157,947 Interest on Federal Home Loan Bank advances 2,382,909 2,126,542 4,672,337 4,031,043 Interest on other borrowed money 207,690 117,670 351,817 195,665 ------------ ------------ ------------ ------------ Total interest expense 6,438,416 4,432,835 12,170,631 8,384,655 ------------ ------------ ------------ ------------ NET INTEREST INCOME 5,770,013 5,233,257 11,315,875 10,187,995 PROVISION FOR LOAN LOSSES 8,000 -- 8,000 -- ------------ ------------ ------------ ------------ NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 5,762,013 5,233,257 11,307,875 10,187,995 ------------ ------------ ------------ ------------ NON-INTEREST INCOME Service charges 437,788 447,316 846,423 883,351 Rental income 7,536 8,499 15,172 23,950 Gain on derivative instruments, net -- 28,495 -- 42,670 Income on bank owned life insurance 166,564 161,875 333,251 164,340 Loss on sale of investment securities -- -- (601) -- Other income 138,748 115,867 251,379 227,230 ------------ ------------ ------------ ------------ Total non-interest income 750,636 762,052 1,445,624 1,341,541 ------------ ------------ ------------ ------------ NON-INTEREST EXPENSES Salaries and employee benefits 2,122,290 1,873,024 4,243,698 3,678,063 Occupancy 386,946 384,538 774,691 790,283 Depreciation 168,232 121,651 317,151 244,920 Professional services 225,229 258,727 385,860 448,711 Data processing 309,727 246,171 634,075 599,387 ATM expense 81,545 82,193 164,038 168,030 Deposit insurance premium 34,802 30,549 69,278 59,645 Advertising and promotions 138,424 109,902 231,405 201,986 Other 543,300 447,944 982,170 849,077 ------------ ------------ ------------ ------------ Total non-interest expenses 4,010,495 3,554,699 7,802,366 7,040,102 ------------ ------------ ------------ ------------ INCOME BEFORE INCOME TAXES 2,502,154 2,440,610 4,951,133 4,489,434 PROVISION FOR INCOME TAXES 731,092 704,434 1,433,560 1,342,374 ------------ ------------ ------------ ------------ NET INCOME $ 1,771,062 $ 1,736,176 $ 3,517,573 $ 3,147,060 ============ ============ ============ ============ BASIC EARNINGS PER COMMON SHARE $ 0.12 $ 0.11 $ 0.24 $ 0.20 DILUTED EARNINGS PER COMMON SHARE $ 0.12 $ 0.11 $ 0.23 $ 0.20 BASIC AVERAGE COMMON SHARES OUTSTANDING: 14,841,286 15,354,874 14,928,361 15,429,204 DILUTED AVERAGE COMMON SHARES OUTSTANDING: 15,079,793 15,354,874 15,173,970 15,429,204
7
ABINGTON COMMUNITY BANCORP, INC. SELECTED FINANCIAL DATA (unaudited) -------------------------------------------------------------------------------------------------------------------------- Three Months Ended June 30, Six Months Ended June 30, ------------------------------------- ------------------------------------- 2006 2005 2006 2005 ------------------------------------- ------------------------------------- Selected Operating Ratios(1): Average yield on interest-earning assets 5.88% 5.24% 5.73% 5.14% Average rate on interest-bearing liabilities 3.65% 2.91% 3.51% 2.83% Average interest rate spread(2) 2.23% 2.33% 2.22% 2.31% Net interest margin(2) 2.78% 2.84% 2.76% 2.82% Average interest-earning assets to average interest-bearing liabilities 117.79% 121.08% 117.97% 121.89% Net interest income after provision for loan losses to non-interest expense 143.65% 147.20% 144.94% 144.72% Total non-interest expense to average assets 1.83% 1.82% 1.81% 1.85% Efficiency ratio(3) 61.51% 59.30% 61.14% 61.06% Return on average assets 0.81% 0.89% 0.81% 0.83% Return on average equity 6.18% 5.78% 6.07% 5.19% Average equity to average assets 13.08% 15.38% 13.41% 15.88% ASSET QUALITY RATIOS(4): Non-performing loans as a percent of total loans receivable(5) 0.05% 0.06% 0.05% 0.06% Non-performing assets as a percent of total assets(5) 0.03% 0.04% 0.03% 0.04% Allowance for loan losses as a percent of non-performing loans 473.53% 492.91% 473.53% 492.91% Net charge-offs to average loans receivable 0.00% 0.00% 0.00% 0.00% CAPITAL RATIOS(6): Tier 1 leverage ratio 10.48% 11.28% 10.48% 11.28% Tier 1 risk-based capital ratio 16.39% 18.67% 16.39% 18.67% Total risk-based capital ratio 16.65% 18.97% 16.65% 18.97%
-------------------------------------------------------------------------------- (1) With the exception of end of period ratios, all ratios are based on average monthly balances during the indicated periods and, for the three-month and six-month periods ended June 30, 2006 and 2005, are annualized where appropriate. (2) Average interest rate spread represents the difference between the average yield on interest-earning assets and the average rate paid on interest-bearing liabilities, and net interest margin represents net interest income as a percentage of average interest-earning assets. (3) The efficiency ratio represents the ratio of non-interest expense divided by the sum of net interest income and non-interest income. (4) Asset quality ratios are end of period ratios, except for net charge-offs to average loans receivable. (5) Non-performing assets consist of non-performing loans and real estate owned. Non-performing loans consist of all accruing loans 90 days or more past due and all non-accruing loans. It is our policy to cease accruing interest on all loans 90 days or more past due. Real estate owned consists of real estate acquired through foreclosure and real estate acquired by acceptance of a deed-in-lieu of foreclosure. (6) Capital ratios are end of period ratios and are calculated for Abington Bank per regulatory requirements. 8

The following information was filed by Abington Community Bancorp, Inc. on Friday, July 28, 2006 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-Q Quarterly Report statement of earnings and operation as management may choose to highlight particular information in the press release.

View differences made from one quarter to another to evaluate Abington Community Bancorp, Inc.'s financial trajectory

Compare SEC Filings Year-over-Year (YoY) and Quarter-over-Quarter (QoQ)
Sample 10-K Year-over-Year (YoY) Comparison

Compare this 10-Q Quarterly Report to its predecessor by reading our highlights to see what text and tables were  removed  ,   added    and   changed   by Abington Community Bancorp, Inc..

Continue

Never Miss A New SEC Filing Again


Real-Time SEC Filing Notifications
Screenshot taken from Gmail for a new 10-K Annual Report
Last10K.com Member Feature

Receive an e-mail as soon as a company files an Annual Report, Quarterly Report or has new 8-K corporate news.

Continue

We Highlighted This SEC Filing For You


SEC Filing Sentiment Analysis - Bullish, Bearish, Neutral
Screenshot taken from Wynn's 2018 10-K Annual Report
Last10K.com Member Feature

Read positive and negative remarks made by management in their entirety without having to find them in a 10-K/Q.

Continue

Widen Your SEC Filing Reading Experience


Increased Reading Area for SEC Filings
Screenshot taken from Adobe Inc.'s 10-Q Quarterly Report
Last10K.com Member Feature

Remove data columns and navigations in order to see much more filing content and tables in one view

Continue

Uncover Actionable Information Inside SEC Filings


SEC Filing Disclosures
Screenshot taken from Lumber Liquidators 10-K Annual Report
Last10K.com Member Feature

Read both hidden opportunities and early signs of potential problems without having to find them in a 10-K/Q

Continue

Adobe PDF, Microsoft Word and Excel Downloads


Download Annual and Quarterly Reports as PDF, Word and Excel Documents
Screenshots of actual 10-K and 10-Q SEC Filings in PDF, Word and Excel formats
Last10K.com Member Feature

Export Annual and Quarterly Reports to Adobe PDF, Microsoft Word and Excel for offline viewing, annotations and analysis

Continue

FREE Financial Statements


Download Annual and Quarterly Reports as PDF, Word and Excel Documents
Screenshot of actual balance sheet from company 10-K Annual Report
Last10K.com Member Feature

Get one-click access to balance sheets, income, operations and cash flow statements without having to find them in Annual and Quarterly Reports

Continue for FREE

Intrinsic Value Calculator


Intrinsic Value Calculator
Screenshot of intrinsic value for AT&T (2019)
Last10K.com Member Feature

Our Intrinsic Value calculator estimates what an entire company is worth using up to 10 years of financial ratios to determine if a stock is overvalued or not

Continue

Financial Stability Report


Financial Stability Report
Screenshot of financial stability report for Coco-Cola (2019)
Last10K.com Member Feature

Our Financial Stability reports uses up to 10 years of financial ratios to determine the health of a company's EPS, Dividends, Book Value, Return on Equity, Current Ratio and Debt-to-Equity

Continue

Get a Better Picture of a Company's Performance


Financial Ratios
Available Financial Ratios
Last10K.com Member Feature

See how over 70 Growth, Profitability and Financial Ratios perform over 10 Years

Continue

Log in with your credentials

or    

Forgot your details?

Create Account