Call reports 2013
ATLANTIC STEWARDSHIP BANK — 2013
What ATLANTIC STEWARDSHIP BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 692,394,000 | 687,460,000 | 687,622,000 | 671,860,000 |
| Total loans | 443,696,000 | 444,194,000 | 440,413,000 | 436,977,000 |
| Allowance for loan losses | 11,512,000 | 10,787,000 | 10,704,000 | 9,915,000 |
| Securities available for sale | 174,432,000 | 180,651,000 | 182,389,000 | 167,400,000 |
| Securities held to maturity | 28,548,000 | 28,119,000 | 26,161,000 | 25,964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,800,000 | 592,723,000 | 577,440,000 | 577,828,000 |
| Interest-bearing deposits | 564,742,000 | 559,916,000 | 544,753,000 | 555,140,000 |
| Noninterest-bearing deposits | 31,058,000 | 32,807,000 | 32,687,000 | 22,688,000 |
| Equity capital | 62,772,000 | 60,468,000 | 60,185,000 | 59,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,895,000 | 13,542,000 | 20,099,000 | 26,655,000 |
| Interest expense | 879,000 | 1,712,000 | 2,525,000 | 3,308,000 |
| Net interest income | 6,016,000 | 11,830,000 | 17,574,000 | 23,347,000 |
| Noninterest income | 1,440,000 | 2,419,000 | 3,365,000 | 3,705,000 |
| Noninterest expense | 4,847,000 | 9,884,000 | 14,696,000 | 19,517,000 |
| Provision for loan losses | 1,600,000 | 2,450,000 | 3,350,000 | 3,775,000 |
| Pretax income | 1,011,000 | 1,917,000 | 2,895,000 | 3,913,000 |
| Income tax | 54,000 | 358,000 | 692,000 | 912,000 |
| Net income | 957,000 | 1,559,000 | 2,203,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,089,000 | 61,061,000 | 60,459,000 | 59,975,000 |
| Total capital | 67,896,000 | 66,911,000 | 66,276,000 | 65,701,000 |
| Risk-weighted assets | 458,838,000 | 463,101,000 | 460,472,000 | 453,890,000 |