Call reports 2013
ACCESS BANK — 2013
What ACCESS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 200,455,000 | 186,390,000 | 193,345,000 | 205,852,000 |
| Total loans | 130,053,000 | 136,398,000 | 146,885,000 | 157,711,000 |
| Allowance for loan losses | 2,015,000 | 2,084,000 | 2,237,000 | 2,414,000 |
| Securities available for sale | 33,735,000 | 33,978,000 | 24,046,000 | 22,605,000 |
| Securities held to maturity | 0 | 0 | 9,582,000 | 9,593,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,733,000 | 160,060,000 | 165,451,000 | 175,035,000 |
| Interest-bearing deposits | 108,461,000 | 110,254,000 | 112,286,000 | 120,395,000 |
| Noninterest-bearing deposits | 65,272,000 | 49,806,000 | 53,165,000 | 54,640,000 |
| Equity capital | 17,752,000 | 17,264,000 | 17,544,000 | 17,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,964,000 | 3,835,000 | 5,974,000 | 8,119,000 |
| Interest expense | 237,000 | 472,000 | 708,000 | 965,000 |
| Net interest income | 1,727,000 | 3,363,000 | 5,266,000 | 7,154,000 |
| Noninterest income | 156,000 | 356,000 | 517,000 | 829,000 |
| Noninterest expense | 1,391,000 | 2,862,000 | 4,342,000 | 5,909,000 |
| Provision for loan losses | 34,000 | 115,000 | 275,000 | 445,000 |
| Pretax income | 458,000 | 744,000 | 1,168,000 | 1,631,000 |
| Income tax | 146,000 | 228,000 | 352,000 | 418,000 |
| Net income | 312,000 | 516,000 | 816,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,733,000 | 17,996,000 | 18,342,000 | 18,740,000 |
| Total capital | 19,470,000 | 19,873,000 | 20,344,000 | 20,860,000 |
| Risk-weighted assets | 137,948,000 | 149,940,000 | 159,935,000 | 169,262,000 |