Call reports 2002
ANNAPOLIS BANKING AND TRUST COMPANY, THE — 2002
What ANNAPOLIS BANKING AND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 389,442,000 | 393,159,000 | 409,687,000 | 427,175,000 |
| Total loans | 225,714,000 | 221,158,000 | 221,599,000 | 220,697,000 |
| Allowance for loan losses | 4,025,000 | 4,147,000 | 4,208,000 | 4,202,000 |
| Securities available for sale | 135,241,000 | 144,247,000 | 144,396,000 | 169,322,000 |
| Securities held to maturity | 850,000 | 850,000 | 750,000 | 845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,042,000 | 319,864,000 | 323,267,000 | 344,495,000 |
| Interest-bearing deposits | 210,017,000 | 219,616,000 | 221,921,000 | 238,547,000 |
| Noninterest-bearing deposits | 99,025,000 | 100,248,000 | 101,346,000 | 105,948,000 |
| Equity capital | 41,003,000 | 42,745,000 | 45,381,000 | 45,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,862,000 | 11,763,000 | 17,669,000 | 23,568,000 |
| Interest expense | 876,000 | 1,714,000 | 2,567,000 | 3,312,000 |
| Net interest income | 4,986,000 | 10,049,000 | 15,102,000 | 20,256,000 |
| Noninterest income | 648,000 | 1,284,000 | 1,941,000 | 2,574,000 |
| Noninterest expense | 2,332,000 | 4,701,000 | 7,117,000 | 9,668,000 |
| Provision for loan losses | 105,000 | 255,000 | 405,000 | 405,000 |
| Pretax income | 3,197,000 | 6,377,000 | 9,521,000 | 12,757,000 |
| Income tax | 1,091,000 | 2,172,000 | 3,224,000 | 4,260,000 |
| Net income | 2,106,000 | 4,205,000 | 6,297,000 | 8,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,553,000 | 40,176,000 | 40,777,000 | 41,511,000 |
| Total capital | 42,448,000 | 43,065,000 | 43,664,000 | 44,502,000 |
| Risk-weighted assets | 232,298,000 | 229,852,000 | 229,673,000 | 238,448,000 |