Call reports 2008
ACCESSBANK TEXAS — 2008
What ACCESSBANK TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,210,000 | 36,840,000 | 58,371,000 | 58,196,000 |
| Total loans | 12,680,000 | 20,588,000 | 33,731,000 | 47,408,000 |
| Allowance for loan losses | 158,000 | 258,000 | 427,000 | 572,000 |
| Securities available for sale | 7,013,000 | 7,837,000 | 7,098,000 | 6,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,234,000 | 23,576,000 | 45,585,000 | 45,786,000 |
| Interest-bearing deposits | 15,861,000 | 19,990,000 | 40,266,000 | 40,650,000 |
| Noninterest-bearing deposits | 2,373,000 | 3,586,000 | 5,319,000 | 5,136,000 |
| Equity capital | 13,878,000 | 13,156,000 | 12,571,000 | 12,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 724,000 | 1,358,000 | 2,167,000 |
| Interest expense | 116,000 | 290,000 | 535,000 | 870,000 |
| Net interest income | 188,000 | 434,000 | 823,000 | 1,297,000 |
| Noninterest income | 5,000 | 21,000 | 32,000 | 62,000 |
| Noninterest expense | 715,000 | 1,534,000 | 2,378,000 | 3,275,000 |
| Provision for loan losses | 119,000 | 219,000 | 387,000 | 532,000 |
| Pretax income | -629,000 | -1,285,000 | -1,904,000 | -2,442,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -629,000 | -1,285,000 | -1,904,000 | -2,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,818,000 | 13,216,000 | 12,647,000 | 12,162,000 |
| Total capital | 13,976,000 | 13,474,000 | 13,074,000 | 12,734,000 |
| Risk-weighted assets | 16,635,000 | 24,157,000 | 39,114,000 | 50,063,000 |