Call reports 2004
ASPIRE BANK — 2004
What ASPIRE 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 | 16,876,000 | 15,831,000 | 14,934,000 | 16,393,000 |
| Total loans | 7,835,000 | 8,585,000 | 9,245,000 | 9,083,000 |
| Allowance for loan losses | 260,000 | 254,000 | 259,000 | 284,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,930,000 | 2,810,000 | 2,804,000 | 2,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,921,000 | 13,828,000 | 12,900,000 | 14,314,000 |
| Interest-bearing deposits | 11,390,000 | 10,822,000 | 10,201,000 | 10,801,000 |
| Noninterest-bearing deposits | 3,531,000 | 3,006,000 | 2,699,000 | 3,513,000 |
| Equity capital | 1,762,000 | 1,781,000 | 1,811,000 | 1,760,000 |
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 | 192,000 | 388,000 | 602,000 | 836,000 |
| Interest expense | 42,000 | 84,000 | 125,000 | 167,000 |
| Net interest income | 150,000 | 304,000 | 477,000 | 669,000 |
| Noninterest income | 15,000 | 31,000 | 48,000 | 72,000 |
| Noninterest expense | 146,000 | 293,000 | 443,000 | 590,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 42,000 | 82,000 | 151,000 |
| Income tax | 3,000 | 7,000 | 17,000 | 37,000 |
| Net income | 16,000 | 35,000 | 65,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,762,000 | 1,781,000 | 1,811,000 | 1,760,000 |
| Total capital | 1,887,000 | 1,910,000 | 1,945,000 | 1,894,000 |
| Risk-weighted assets | 9,829,000 | 10,165,000 | 10,559,000 | 10,593,000 |