Call reports 2004
ATLANTIC SOUTHERN BANK — 2004
What ATLANTIC SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 173,566,000 | 190,977,000 | 233,113,000 | 263,317,000 |
| Total loans | 150,320,000 | 168,202,000 | 198,181,000 | 229,173,000 |
| Allowance for loan losses | 1,727,000 | 1,914,000 | 2,393,000 | 2,800,000 |
| Securities available for sale | 13,028,000 | 13,175,000 | 19,114,000 | 19,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,998,000 | 158,045,000 | 194,580,000 | 221,248,000 |
| Interest-bearing deposits | 135,527,000 | 142,784,000 | 179,379,000 | 204,300,000 |
| Noninterest-bearing deposits | 12,471,000 | 15,261,000 | 15,201,000 | 16,948,000 |
| Equity capital | 14,793,000 | 19,703,000 | 21,448,000 | 21,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,100,000 | 4,341,000 | 7,141,000 | 10,607,000 |
| Interest expense | 667,000 | 1,332,000 | 2,144,000 | 3,241,000 |
| Net interest income | 1,433,000 | 3,009,000 | 4,997,000 | 7,366,000 |
| Noninterest income | 59,000 | 144,000 | 230,000 | 371,000 |
| Noninterest expense | 806,000 | 1,729,000 | 2,646,000 | 3,760,000 |
| Provision for loan losses | 172,000 | 359,000 | 892,000 | 1,377,000 |
| Pretax income | 514,000 | 1,065,000 | 1,689,000 | 2,600,000 |
| Income tax | 190,000 | 394,000 | 622,000 | 938,000 |
| Net income | 324,000 | 671,000 | 1,067,000 | 1,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,762,000 | 19,971,000 | 21,487,000 | 22,081,000 |
| Total capital | 16,489,000 | 21,885,000 | 23,880,000 | 24,881,000 |
| Risk-weighted assets | 159,944,000 | 178,562,000 | 212,577,000 | 243,636,000 |