Call reports 2015
ACCESS BANK — 2015
What ACCESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 228,677,000 | 238,864,000 | 275,645,000 | 293,292,000 |
| Total loans | 189,683,000 | 197,293,000 | 198,499,000 | 200,748,000 |
| Allowance for loan losses | 2,831,000 | 2,882,000 | 2,908,000 | 2,978,000 |
| Securities available for sale | 16,077,000 | 17,347,000 | 16,292,000 | 19,055,000 |
| Securities held to maturity | 9,646,000 | 9,401,000 | 9,413,000 | 9,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,780,000 | 208,454,000 | 244,695,000 | 251,602,000 |
| Interest-bearing deposits | 130,093,000 | 141,673,000 | 149,891,000 | 152,050,000 |
| Noninterest-bearing deposits | 67,687,000 | 66,781,000 | 94,804,000 | 99,552,000 |
| Equity capital | 22,533,000 | 22,950,000 | 23,547,000 | 33,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,605,000 | 5,200,000 | 7,800,000 | 10,424,000 |
| Interest expense | 293,000 | 590,000 | 896,000 | 1,196,000 |
| Net interest income | 2,312,000 | 4,610,000 | 6,904,000 | 9,228,000 |
| Noninterest income | 239,000 | 521,000 | 741,000 | 961,000 |
| Noninterest expense | 1,792,000 | 3,632,000 | 5,447,000 | 7,438,000 |
| Provision for loan losses | 90,000 | 130,000 | 155,000 | 237,000 |
| Pretax income | 680,000 | 1,395,000 | 2,069,000 | 2,541,000 |
| Income tax | 206,000 | 426,000 | 628,000 | 760,000 |
| Net income | 474,000 | 969,000 | 1,441,000 | 1,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,988,000 | 23,518,000 | 24,029,000 | 34,406,000 |
| Total capital | 25,547,000 | 26,220,000 | 26,782,000 | 37,199,000 |
| Risk-weighted assets | 204,468,000 | 216,057,000 | 220,084,000 | 223,282,000 |