Call reports 2006
ATLANTIC STEWARDSHIP BANK — 2006
What ATLANTIC STEWARDSHIP BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 471,135,000 | 491,195,000 | 504,663,000 | 515,526,000 |
| Total loans | 346,283,000 | 361,142,000 | 368,549,000 | 371,699,000 |
| Allowance for loan losses | 3,920,000 | 4,011,000 | 4,086,000 | 4,101,000 |
| Securities available for sale | 58,743,000 | 57,933,000 | 62,380,000 | 68,276,000 |
| Securities held to maturity | 36,116,000 | 38,856,000 | 38,575,000 | 39,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,278,000 | 419,581,000 | 427,379,000 | 435,126,000 |
| Interest-bearing deposits | 372,572,000 | 391,614,000 | 402,032,000 | 408,233,000 |
| Noninterest-bearing deposits | 27,706,000 | 27,967,000 | 25,347,000 | 26,893,000 |
| Equity capital | 36,372,000 | 37,432,000 | 38,658,000 | 39,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,950,000 | 14,247,000 | 22,005,000 | 29,861,000 |
| Interest expense | 2,185,000 | 4,635,000 | 7,442,000 | 10,430,000 |
| Net interest income | 4,765,000 | 9,612,000 | 14,563,000 | 19,431,000 |
| Noninterest income | 857,000 | 1,879,000 | 2,851,000 | 4,572,000 |
| Noninterest expense | 3,734,000 | 7,537,000 | 11,370,000 | 15,456,000 |
| Provision for loan losses | 50,000 | 160,000 | 250,000 | 264,000 |
| Pretax income | 1,838,000 | 3,794,000 | 5,794,000 | 7,939,000 |
| Income tax | 651,000 | 1,351,000 | 2,053,000 | 2,817,000 |
| Net income | 1,187,000 | 2,443,000 | 3,741,000 | 5,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,184,000 | 38,622,000 | 39,209,000 | 39,765,000 |
| Total capital | 41,104,000 | 42,633,000 | 43,295,000 | 43,866,000 |
| Risk-weighted assets | 366,284,000 | 383,347,000 | 389,058,000 | 397,260,000 |