Call reports 2005
ASPIRE BANK — 2005
What ASPIRE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 16,725,000 | 15,044,000 | 14,828,000 | 14,894,000 |
| Total loans | 8,924,000 | 8,523,000 | 9,090,000 | 8,648,000 |
| Allowance for loan losses | 285,000 | 280,000 | 281,000 | 288,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,801,000 | 2,800,000 | 2,794,000 | 2,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,709,000 | 13,002,000 | 12,767,000 | 12,912,000 |
| Interest-bearing deposits | 11,561,000 | 10,671,000 | 10,264,000 | 10,106,000 |
| Noninterest-bearing deposits | 3,148,000 | 2,331,000 | 2,503,000 | 2,806,000 |
| Equity capital | 1,797,000 | 1,830,000 | 1,854,000 | 1,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 436,000 | 650,000 | 876,000 |
| Interest expense | 43,000 | 89,000 | 146,000 | 205,000 |
| Net interest income | 179,000 | 347,000 | 504,000 | 671,000 |
| Noninterest income | 18,000 | 33,000 | 51,000 | 86,000 |
| Noninterest expense | 145,000 | 293,000 | 444,000 | 599,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 87,000 | 111,000 | 158,000 |
| Income tax | 15,000 | 17,000 | 17,000 | 43,000 |
| Net income | 37,000 | 70,000 | 94,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,797,000 | 1,830,000 | 1,854,000 | 1,875,000 |
| Total capital | 1,939,000 | 1,962,000 | 1,992,000 | 2,064,000 |
| Risk-weighted assets | 11,085,000 | 10,410,000 | 10,896,000 | 15,083,000 |