Call reports 2009
ACCESS BANK — 2009
What ACCESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,310,000 | 61,865,000 | 80,622,000 | 82,654,000 |
| Total loans | 39,971,000 | 47,618,000 | 59,266,000 | 65,396,000 |
| Allowance for loan losses | 433,000 | 529,000 | 707,000 | 758,000 |
| Securities available for sale | 12,014,000 | 12,307,000 | 14,385,000 | 13,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,917,000 | 43,645,000 | 61,301,000 | 60,112,000 |
| Interest-bearing deposits | 36,498,000 | 40,178,000 | 56,072,000 | 54,644,000 |
| Noninterest-bearing deposits | 2,419,000 | 3,467,000 | 5,229,000 | 5,468,000 |
| Equity capital | 13,065,000 | 12,747,000 | 12,722,000 | 12,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 637,000 | 1,387,000 | 2,255,000 | 3,295,000 |
| Interest expense | 234,000 | 483,000 | 755,000 | 1,031,000 |
| Net interest income | 403,000 | 904,000 | 1,500,000 | 2,264,000 |
| Noninterest income | 13,000 | 25,000 | 40,000 | 54,000 |
| Noninterest expense | 572,000 | 1,314,000 | 1,880,000 | 2,480,000 |
| Provision for loan losses | 73,000 | 169,000 | 356,000 | 432,000 |
| Pretax income | -229,000 | -403,000 | -545,000 | -443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -229,000 | -403,000 | -545,000 | -443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,834,000 | 12,671,000 | 12,536,000 | 12,650,000 |
| Total capital | 13,267,000 | 13,200,000 | 13,243,000 | 13,408,000 |
| Risk-weighted assets | 45,660,000 | 52,827,000 | 65,281,000 | 69,338,000 |