Call reports 2005
ATLANTIC STEWARDSHIP BANK — 2005
What ATLANTIC STEWARDSHIP 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 | 416,346,000 | 456,448,000 | 469,241,000 | 478,933,000 |
| Total loans | 304,152,000 | 314,786,000 | 328,983,000 | 347,864,000 |
| Allowance for loan losses | 3,438,000 | 3,570,000 | 3,714,000 | 3,847,000 |
| Securities available for sale | 50,371,000 | 50,342,000 | 60,504,000 | 59,778,000 |
| Securities held to maturity | 39,225,000 | 38,616,000 | 39,586,000 | 37,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,272,000 | 401,546,000 | 409,811,000 | 404,757,000 |
| Interest-bearing deposits | 277,903,000 | 381,009,000 | 380,941,000 | 378,188,000 |
| Noninterest-bearing deposits | 83,369,000 | 20,537,000 | 28,870,000 | 26,569,000 |
| Equity capital | 33,161,000 | 34,434,000 | 35,182,000 | 35,537,000 |
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 | 5,650,000 | 11,639,000 | 18,059,000 | 24,744,000 |
| Interest expense | 1,165,000 | 2,591,000 | 4,315,000 | 6,202,000 |
| Net interest income | 4,485,000 | 9,048,000 | 13,744,000 | 18,542,000 |
| Noninterest income | 640,000 | 1,528,000 | 2,374,000 | 3,207,000 |
| Noninterest expense | 3,280,000 | 6,705,000 | 10,225,000 | 13,740,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,695,000 | 3,571,000 | 5,443,000 | 7,409,000 |
| Income tax | 619,000 | 1,289,000 | 1,932,000 | 2,648,000 |
| Net income | 1,076,000 | 2,282,000 | 3,511,000 | 4,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,642,000 | 34,556,000 | 35,484,000 | 36,226,000 |
| Total capital | 37,080,000 | 38,126,000 | 39,198,000 | 40,073,000 |
| Risk-weighted assets | 309,348,000 | 333,247,000 | 349,854,000 | 367,426,000 |