Call reports 2004
ANNAPOLIS BANKING AND TRUST COMPANY, THE — 2004
What ANNAPOLIS BANKING AND TRUST COMPANY, THE 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 | 453,055,000 | 458,917,000 | 470,029,000 | 461,515,000 |
| Total loans | 243,461,000 | 246,394,000 | 253,395,000 | 256,398,000 |
| Allowance for loan losses | 4,127,000 | 4,115,000 | 4,106,000 | 4,100,000 |
| Securities available for sale | 184,789,000 | 192,384,000 | 195,507,000 | 189,137,000 |
| Securities held to maturity | 940,000 | 940,000 | 940,000 | 940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,714,000 | 400,071,000 | 393,050,000 | 379,836,000 |
| Interest-bearing deposits | 248,657,000 | 250,322,000 | 247,935,000 | 246,142,000 |
| Noninterest-bearing deposits | 135,057,000 | 149,749,000 | 145,115,000 | 133,694,000 |
| Equity capital | 43,471,000 | 40,738,000 | 42,349,000 | 42,442,000 |
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 | 5,514,000 | 11,041,000 | 16,701,000 | 22,446,000 |
| Interest expense | 442,000 | 862,000 | 1,322,000 | 1,842,000 |
| Net interest income | 5,072,000 | 10,179,000 | 15,379,000 | 20,604,000 |
| Noninterest income | 640,000 | 1,380,000 | 2,100,000 | 2,854,000 |
| Noninterest expense | 2,384,000 | 4,768,000 | 7,167,000 | 9,657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,328,000 | 6,791,000 | 10,312,000 | 13,801,000 |
| Income tax | 1,141,000 | 2,339,000 | 3,572,000 | 4,802,000 |
| Net income | 2,187,000 | 4,452,000 | 6,740,000 | 8,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,772,000 | 40,807,000 | 41,488,000 | 42,170,000 |
| Total capital | 47,957,000 | 48,015,000 | 48,791,000 | 49,516,000 |
| Risk-weighted assets | 261,922,000 | 263,862,000 | 270,855,000 | 274,303,000 |