Call reports 2005
ACCESS NATIONAL BANK — 2005
What ACCESS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 447,179,000 | 474,526,000 | 526,040,000 | 536,540,000 |
| Total loans | 347,280,000 | 383,641,000 | 408,546,000 | 414,752,000 |
| Allowance for loan losses | 4,133,000 | 4,516,000 | 4,841,000 | 5,215,000 |
| Securities available for sale | 54,174,000 | 66,107,000 | 66,153,000 | 84,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,615,000 | 373,768,000 | 366,712,000 | 419,639,000 |
| Interest-bearing deposits | 262,049,000 | 275,605,000 | 284,915,000 | 338,595,000 |
| Noninterest-bearing deposits | 104,566,000 | 98,163,000 | 81,797,000 | 81,044,000 |
| Equity capital | 31,680,000 | 34,502,000 | 37,421,000 | 39,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,619,000 | 11,987,000 | 19,548,000 | 27,793,000 |
| Interest expense | 2,300,000 | 4,963,000 | 8,151,000 | 11,906,000 |
| Net interest income | 3,319,000 | 7,024,000 | 11,397,000 | 15,887,000 |
| Noninterest income | 6,153,000 | 15,215,000 | 24,591,000 | 31,382,000 |
| Noninterest expense | 7,520,000 | 17,210,000 | 27,509,000 | 35,495,000 |
| Provision for loan losses | 114,000 | 497,000 | 822,000 | 1,196,000 |
| Pretax income | 1,838,000 | 4,532,000 | 7,657,000 | 10,578,000 |
| Income tax | 635,000 | 1,600,000 | 2,703,000 | 3,830,000 |
| Net income | 1,203,000 | 2,932,000 | 4,954,000 | 6,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,157,000 | 34,686,000 | 37,912,000 | 40,371,000 |
| Total capital | 36,292,000 | 39,128,000 | 42,730,000 | 45,238,000 |
| Risk-weighted assets | 330,676,000 | 355,187,000 | 385,262,000 | 388,864,000 |