Call reports 2003
ANNAPOLIS BANKING AND TRUST COMPANY, THE — 2003
What ANNAPOLIS BANKING AND TRUST COMPANY, THE 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 | 429,847,000 | 435,367,000 | 438,438,000 | 442,903,000 |
| Total loans | 230,166,000 | 225,667,000 | 231,343,000 | 240,682,000 |
| Allowance for loan losses | 4,288,000 | 4,200,000 | 4,194,000 | 4,135,000 |
| Securities available for sale | 174,711,000 | 178,421,000 | 193,048,000 | 184,373,000 |
| Securities held to maturity | 845,000 | 945,000 | 945,000 | 940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,581,000 | 362,636,000 | 359,350,000 | 374,625,000 |
| Interest-bearing deposits | 240,275,000 | 241,498,000 | 236,258,000 | 247,185,000 |
| Noninterest-bearing deposits | 112,306,000 | 121,138,000 | 123,092,000 | 127,440,000 |
| Equity capital | 46,353,000 | 46,829,000 | 42,528,000 | 42,252,000 |
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 | 5,825,000 | 11,509,000 | 17,022,000 | 22,615,000 |
| Interest expense | 630,000 | 1,185,000 | 1,668,000 | 2,143,000 |
| Net interest income | 5,195,000 | 10,324,000 | 15,354,000 | 20,472,000 |
| Noninterest income | 589,000 | 1,205,000 | 1,854,000 | 2,487,000 |
| Noninterest expense | 2,528,000 | 4,938,000 | 7,372,000 | 9,852,000 |
| Provision for loan losses | 105,000 | 210,000 | 210,000 | 165,000 |
| Pretax income | 3,269,000 | 6,499,000 | 9,744,000 | 13,060,000 |
| Income tax | 1,077,000 | 2,179,000 | 3,323,000 | 4,455,000 |
| Net income | 2,192,000 | 4,320,000 | 6,421,000 | 8,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,100,000 | 42,715,000 | 39,464,000 | 40,176,000 |
| Total capital | 45,199,000 | 45,797,000 | 46,513,000 | 47,294,000 |
| Risk-weighted assets | 247,075,000 | 245,465,000 | 250,838,000 | 256,526,000 |