Call reports 2003
ASPIRE BANK — 2003
What ASPIRE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 15,690,000 | 15,231,000 | 14,641,000 | 15,933,000 |
| Total loans | 8,180,000 | 8,965,000 | 9,363,000 | 8,157,000 |
| Allowance for loan losses | 240,000 | 242,000 | 243,000 | 243,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,125,000 | 1,490,000 | 1,587,000 | 1,931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,702,000 | 13,229,000 | 12,634,000 | 13,905,000 |
| Interest-bearing deposits | 11,132,000 | 10,718,000 | 10,108,000 | 10,341,000 |
| Noninterest-bearing deposits | 2,570,000 | 2,511,000 | 2,526,000 | 3,564,000 |
| Equity capital | 1,751,000 | 1,765,000 | 1,792,000 | 1,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 202,000 | 404,000 | 613,000 | 819,000 |
| Interest expense | 59,000 | 115,000 | 166,000 | 211,000 |
| Net interest income | 143,000 | 289,000 | 447,000 | 608,000 |
| Noninterest income | 18,000 | 36,000 | 56,000 | 88,000 |
| Noninterest expense | 141,000 | 287,000 | 431,000 | 578,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 38,000 | 72,000 | 118,000 |
| Income tax | 4,000 | 8,000 | 15,000 | 27,000 |
| Net income | 16,000 | 30,000 | 57,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,751,000 | 1,765,000 | 1,792,000 | 1,747,000 |
| Total capital | 1,873,000 | 1,895,000 | 1,926,000 | 1,872,000 |
| Risk-weighted assets | 9,663,000 | 10,249,000 | 10,574,000 | 9,875,000 |