Call reports 2012
ACCESS BANK — 2012
What ACCESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 144,314,000 | 143,336,000 | 168,458,000 | 184,040,000 |
| Total loans | 106,998,000 | 112,471,000 | 123,113,000 | 130,424,000 |
| Allowance for loan losses | 1,534,000 | 1,688,000 | 1,895,000 | 2,022,000 |
| Securities available for sale | 34,217,000 | 24,492,000 | 33,081,000 | 35,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,291,000 | 116,492,000 | 143,881,000 | 158,593,000 |
| Interest-bearing deposits | 89,534,000 | 86,338,000 | 103,742,000 | 104,234,000 |
| Noninterest-bearing deposits | 30,757,000 | 30,154,000 | 40,139,000 | 54,359,000 |
| Equity capital | 16,535,000 | 17,243,000 | 17,558,000 | 17,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,744,000 | 3,435,000 | 5,204,000 | 7,077,000 |
| Interest expense | 238,000 | 464,000 | 700,000 | 947,000 |
| Net interest income | 1,506,000 | 2,971,000 | 4,504,000 | 6,130,000 |
| Noninterest income | 39,000 | 157,000 | 321,000 | 418,000 |
| Noninterest expense | 1,110,000 | 2,253,000 | 3,435,000 | 4,751,000 |
| Provision for loan losses | 101,000 | 288,000 | 488,000 | 615,000 |
| Pretax income | 334,000 | 897,000 | 1,212,000 | 1,471,000 |
| Income tax | 121,000 | -137,000 | -23,000 | 61,000 |
| Net income | 213,000 | 1,034,000 | 1,235,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,055,000 | 16,912,000 | 17,162,000 | 17,373,000 |
| Total capital | 17,474,000 | 18,397,000 | 18,757,000 | 19,083,000 |
| Risk-weighted assets | 113,375,000 | 118,642,000 | 127,267,000 | 136,473,000 |