Call reports 2004
ACCESS NATIONAL BANK — 2004
What ACCESS NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 334,012,000 | 343,332,000 | 389,678,000 | 419,495,000 |
| Total loans | 268,041,000 | 289,972,000 | 334,350,000 | 328,840,000 |
| Allowance for loan losses | 2,740,000 | 2,944,000 | 3,148,000 | 4,019,000 |
| Securities available for sale | 18,749,000 | 19,740,000 | 17,639,000 | 48,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,849,000 | 247,959,000 | 253,671,000 | 317,403,000 |
| Interest-bearing deposits | 130,890,000 | 156,865,000 | 162,544,000 | 223,285,000 |
| Noninterest-bearing deposits | 94,960,000 | 91,094,000 | 91,127,000 | 94,118,000 |
| Equity capital | 23,801,000 | 29,580,000 | 30,590,000 | 31,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,598,000 | 7,898,000 | 12,651,000 | 18,225,000 |
| Interest expense | 1,087,000 | 2,413,000 | 4,110,000 | 6,105,000 |
| Net interest income | 2,511,000 | 5,485,000 | 8,541,000 | 12,120,000 |
| Noninterest income | 6,216,000 | 12,995,000 | 20,595,000 | 26,372,000 |
| Noninterest expense | 7,741,000 | 15,749,000 | 23,991,000 | 31,176,000 |
| Provision for loan losses | 175,000 | 379,000 | 591,000 | 1,462,000 |
| Pretax income | 811,000 | 2,352,000 | 4,554,000 | 5,854,000 |
| Income tax | 306,000 | 835,000 | 1,593,000 | 2,056,000 |
| Net income | 505,000 | 1,517,000 | 2,961,000 | 3,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,664,000 | 29,522,000 | 30,395,000 | 31,156,000 |
| Total capital | 26,493,000 | 32,563,000 | 33,643,000 | 35,086,000 |
| Risk-weighted assets | 250,132,000 | 266,472,000 | 305,175,000 | 314,012,000 |