Call reports 2005
ANNAPOLIS BANKING AND TRUST COMPANY, THE — 2005
What ANNAPOLIS BANKING AND TRUST COMPANY, THE 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 | 452,513,000 | 475,091,000 | 478,108,000 | 481,399,000 |
| Total loans | 269,058,000 | 286,369,000 | 297,954,000 | 314,804,000 |
| Allowance for loan losses | 4,115,000 | 3,676,000 | 3,457,000 | 3,333,000 |
| Securities available for sale | 168,631,000 | 161,151,000 | 160,467,000 | 145,504,000 |
| Securities held to maturity | 940,000 | 940,000 | 940,000 | 940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,821,000 | 396,511,000 | 388,218,000 | 390,491,000 |
| Interest-bearing deposits | 243,338,000 | 249,490,000 | 249,562,000 | 247,827,000 |
| Noninterest-bearing deposits | 141,483,000 | 147,021,000 | 138,656,000 | 142,664,000 |
| Equity capital | 41,593,000 | 43,141,000 | 40,839,000 | 41,202,000 |
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 | 5,641,000 | 11,437,000 | 17,468,000 | 23,925,000 |
| Interest expense | 596,000 | 1,286,000 | 2,178,000 | 3,304,000 |
| Net interest income | 5,045,000 | 10,151,000 | 15,290,000 | 20,621,000 |
| Noninterest income | 707,000 | 1,475,000 | 2,252,000 | 2,992,000 |
| Noninterest expense | 2,491,000 | 5,081,000 | 7,554,000 | 10,050,000 |
| Provision for loan losses | 0 | -425,000 | -625,000 | -725,000 |
| Pretax income | 3,398,000 | 7,107,000 | 10,750,000 | 14,425,000 |
| Income tax | 1,211,000 | 2,547,000 | 3,867,000 | 5,131,000 |
| Net income | 2,187,000 | 4,560,000 | 6,883,000 | 9,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,820,000 | 43,746,000 | 42,281,000 | 43,148,000 |
| Total capital | 50,292,000 | 51,334,000 | 49,642,000 | 50,382,000 |
| Risk-weighted assets | 284,998,000 | 306,015,000 | 315,896,000 | 331,167,000 |