Call reports 2016
ASPIRE BANK — 2016
What ASPIRE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 29,884,000 | 28,036,000 | 28,447,000 | 29,408,000 |
| Total loans | 19,650,000 | 20,001,000 | 19,559,000 | 18,810,000 |
| Allowance for loan losses | 247,000 | 249,000 | 249,000 | 251,000 |
| Securities available for sale | 1,562,000 | 1,481,000 | 1,413,000 | 1,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,051,000 | 24,142,000 | 24,504,000 | 25,445,000 |
| Interest-bearing deposits | 21,463,000 | 20,090,000 | 19,837,000 | 20,674,000 |
| Noninterest-bearing deposits | 4,588,000 | 4,052,000 | 4,667,000 | 4,771,000 |
| Equity capital | 3,315,000 | 3,361,000 | 3,413,000 | 3,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 278,000 | 564,000 | 854,000 | 1,130,000 |
| Interest expense | 43,000 | 89,000 | 137,000 | 185,000 |
| Net interest income | 235,000 | 475,000 | 717,000 | 945,000 |
| Noninterest income | 12,000 | 20,000 | 34,000 | 56,000 |
| Noninterest expense | 208,000 | 413,000 | 620,000 | 832,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 39,000 | 82,000 | 131,000 | 169,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 39,000 | 82,000 | 131,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,742,000 | 2,791,000 | 2,845,000 | 2,867,000 |
| Total capital | 2,989,000 | 3,040,000 | 3,094,000 | 3,118,000 |
| Risk-weighted assets | 20,651,000 | 20,546,000 | 21,025,000 | 20,830,000 |