Call reports 2015
ASPIRE BANK — 2015
What ASPIRE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 24,146,000 | 25,297,000 | 25,520,000 | 26,370,000 |
| Total loans | 18,066,000 | 19,723,000 | 20,299,000 | 19,433,000 |
| Allowance for loan losses | 218,000 | 217,000 | 228,000 | 245,000 |
| Securities available for sale | 2,347,000 | 2,213,000 | 2,110,000 | 1,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,980,000 | 21,074,000 | 21,251,000 | 22,578,000 |
| Interest-bearing deposits | 15,637,000 | 16,935,000 | 17,499,000 | 18,188,000 |
| Noninterest-bearing deposits | 5,343,000 | 4,139,000 | 3,752,000 | 4,390,000 |
| Equity capital | 3,143,000 | 3,180,000 | 3,232,000 | 3,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 258,000 | 533,000 | 820,000 | 1,100,000 |
| Interest expense | 23,000 | 54,000 | 92,000 | 129,000 |
| Net interest income | 235,000 | 479,000 | 728,000 | 971,000 |
| Noninterest income | 40,000 | 49,000 | 59,000 | 86,000 |
| Noninterest expense | 208,000 | 416,000 | 620,000 | 836,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 25,000 |
| Pretax income | 67,000 | 112,000 | 157,000 | 196,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 67,000 | 112,000 | 157,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,548,000 | 2,601,000 | 2,657,000 | 2,694,000 |
| Total capital | 2,766,000 | 2,818,000 | 2,885,000 | 2,939,000 |
| Risk-weighted assets | 18,034,000 | 19,964,000 | 20,271,000 | 19,745,000 |