Call reports 2012
ATLANTIC STEWARDSHIP BANK — 2012
What ATLANTIC STEWARDSHIP BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 710,054,000 | 698,671,000 | 682,261,000 | 686,976,000 |
| Total loans | 455,128,000 | 448,646,000 | 439,030,000 | 441,257,000 |
| Allowance for loan losses | 13,097,000 | 11,934,000 | 12,598,000 | 10,641,000 |
| Securities available for sale | 175,042,000 | 171,652,000 | 172,936,000 | 173,636,000 |
| Securities held to maturity | 35,359,000 | 32,993,000 | 31,890,000 | 29,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 602,244,000 | 593,944,000 | 583,445,000 | 590,567,000 |
| Interest-bearing deposits | 577,390,000 | 571,087,000 | 554,172,000 | 568,043,000 |
| Noninterest-bearing deposits | 24,854,000 | 22,857,000 | 29,273,000 | 22,524,000 |
| Equity capital | 63,782,000 | 63,807,000 | 64,205,000 | 62,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,515,000 | 14,849,000 | 21,983,000 | 28,753,000 |
| Interest expense | 1,339,000 | 2,570,000 | 3,703,000 | 4,669,000 |
| Net interest income | 6,176,000 | 12,279,000 | 18,280,000 | 24,084,000 |
| Noninterest income | 1,222,000 | 2,481,000 | 3,254,000 | 4,006,000 |
| Noninterest expense | 4,786,000 | 9,548,000 | 14,652,000 | 19,370,000 |
| Provision for loan losses | 1,765,000 | 4,665,000 | 6,665,000 | 9,995,000 |
| Pretax income | 1,280,000 | 985,000 | 1,546,000 | 1,058,000 |
| Income tax | 373,000 | 279,000 | 387,000 | 19,000 |
| Net income | 907,000 | 706,000 | 1,159,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,100,000 | 61,724,000 | 62,177,000 | 61,557,000 |
| Total capital | 68,318,000 | 67,780,000 | 68,046,000 | 67,380,000 |
| Risk-weighted assets | 490,600,000 | 478,599,000 | 462,757,000 | 461,003,000 |