Call reports 2003
ACCESS NATIONAL BANK — 2003
What ACCESS NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 259,838,000 | 295,256,000 | 290,329,000 | 256,716,000 |
| Total loans | 219,641,000 | 251,166,000 | 223,596,000 | 219,076,000 |
| Allowance for loan losses | 2,232,000 | 2,430,000 | 2,538,000 | 2,565,000 |
| Securities available for sale | 14,046,000 | 9,582,000 | 8,435,000 | 21,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,638,000 | 238,783,000 | 236,696,000 | 198,165,000 |
| Interest-bearing deposits | 145,297,000 | 128,692,000 | 158,930,000 | 137,965,000 |
| Noninterest-bearing deposits | 77,341,000 | 110,091,000 | 77,766,000 | 60,200,000 |
| Equity capital | 18,128,000 | 19,265,000 | 20,241,000 | 23,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,375,000 | 6,813,000 | 10,563,000 | 14,042,000 |
| Interest expense | 1,227,000 | 2,339,000 | 3,527,000 | 4,664,000 |
| Net interest income | 2,148,000 | 4,474,000 | 7,036,000 | 9,378,000 |
| Noninterest income | 8,109,000 | 17,928,000 | 26,778,000 | 33,765,000 |
| Noninterest expense | 8,469,000 | 18,422,000 | 28,379,000 | 36,656,000 |
| Provision for loan losses | 184,000 | 382,000 | 499,000 | 526,000 |
| Pretax income | 1,604,000 | 3,598,000 | 4,936,000 | 5,961,000 |
| Income tax | 608,000 | 1,469,000 | 1,790,000 | 2,135,000 |
| Net income | 996,000 | 2,129,000 | 3,146,000 | 3,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,822,000 | 19,163,000 | 20,179,000 | 23,159,000 |
| Total capital | 20,049,000 | 21,665,000 | 22,725,000 | 25,763,000 |
| Risk-weighted assets | 178,116,000 | 204,721,000 | 203,624,000 | 208,255,000 |