Call reports 2016
ACCESS BANK — 2016
What ACCESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 280,548,000 | 297,418,000 | 316,566,000 | 323,092,000 |
| Total loans | 212,334,000 | 229,726,000 | 238,109,000 | 256,876,000 |
| Allowance for loan losses | 3,121,000 | 3,274,000 | 3,395,000 | 3,631,000 |
| Securities available for sale | 30,121,000 | 28,689,000 | 27,434,000 | 25,007,000 |
| Securities held to maturity | 21,057,000 | 21,217,000 | 20,539,000 | 19,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,031,000 | 233,874,000 | 257,563,000 | 257,655,000 |
| Interest-bearing deposits | 143,951,000 | 144,835,000 | 148,764,000 | 161,634,000 |
| Noninterest-bearing deposits | 87,080,000 | 89,039,000 | 108,799,000 | 96,021,000 |
| Equity capital | 34,325,000 | 34,907,000 | 35,564,000 | 35,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,786,000 | 5,799,000 | 8,856,000 | 12,087,000 |
| Interest expense | 294,000 | 638,000 | 983,000 | 1,311,000 |
| Net interest income | 2,492,000 | 5,161,000 | 7,873,000 | 10,776,000 |
| Noninterest income | 185,000 | 475,000 | 912,000 | 1,364,000 |
| Noninterest expense | 2,153,000 | 4,308,000 | 6,537,000 | 8,679,000 |
| Provision for loan losses | 151,000 | 331,000 | 473,000 | 718,000 |
| Pretax income | 373,000 | 1,005,000 | 1,780,000 | 2,748,000 |
| Income tax | 47,000 | 239,000 | 476,000 | 826,000 |
| Net income | 326,000 | 766,000 | 1,304,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,762,000 | 35,235,000 | 35,251,000 | 35,904,000 |
| Total capital | 37,759,000 | 38,472,000 | 38,617,000 | 39,535,000 |
| Risk-weighted assets | 239,687,000 | 258,933,000 | 269,292,000 | 294,818,000 |