Call reports 2022
ASPIRE BANK — 2022
What ASPIRE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 59,365,000 | 62,878,000 | 57,933,000 | 53,976,000 |
| Total loans | 42,124,000 | 44,385,000 | 45,190,000 | 49,273,000 |
| Allowance for loan losses | 473,000 | 472,000 | 473,000 | 485,000 |
| Securities available for sale | 48,000 | 42,000 | 37,000 | 33,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,872,000 | 56,220,000 | 52,114,000 | 47,971,000 |
| Interest-bearing deposits | 42,471,000 | 44,920,000 | 39,818,000 | 35,432,000 |
| Noninterest-bearing deposits | 10,400,000 | 11,300,000 | 12,296,000 | 12,539,000 |
| Equity capital | 5,439,000 | 5,568,000 | 5,712,000 | 5,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 1,020,000 | 1,636,000 | 2,371,000 |
| Interest expense | 77,000 | 163,000 | 258,000 | 371,000 |
| Net interest income | 408,000 | 857,000 | 1,378,000 | 2,000,000 |
| Noninterest income | 27,000 | 65,000 | 103,000 | 155,000 |
| Noninterest expense | 368,000 | 703,000 | 1,066,000 | 1,547,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 67,000 | 219,000 | 415,000 | 598,000 |
| Income tax | 15,000 | 37,000 | 56,000 | 146,000 |
| Net income | 52,000 | 182,000 | 359,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,871,000 | 5,000,000 | 5,144,000 | 5,239,000 |
| Total capital | 5,344,000 | 5,472,000 | 5,617,000 | 5,724,000 |
| Risk-weighted assets | 39,471,000 | 44,702,000 | 44,718,000 | 48,221,000 |