Call reports 2015
ACCESSBANK TEXAS — 2015
What ACCESSBANK TEXAS 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 | 154,361,000 | 170,652,000 | 196,697,000 | 194,847,000 |
| Total loans | 119,453,000 | 132,948,000 | 138,784,000 | 149,867,000 |
| Allowance for loan losses | 1,536,000 | 1,315,000 | 1,390,000 | 1,583,000 |
| Securities available for sale | 19,641,000 | 18,491,000 | 33,038,000 | 35,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,787,000 | 153,654,000 | 176,092,000 | 169,572,000 |
| Interest-bearing deposits | 121,476,000 | 133,591,000 | 150,906,000 | 143,530,000 |
| Noninterest-bearing deposits | 16,311,000 | 20,063,000 | 25,186,000 | 26,042,000 |
| Equity capital | 16,446,000 | 16,789,000 | 20,275,000 | 24,316,000 |
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 | 1,442,000 | 3,068,000 | 4,835,000 | 6,750,000 |
| Interest expense | 225,000 | 507,000 | 837,000 | 1,177,000 |
| Net interest income | 1,217,000 | 2,561,000 | 3,998,000 | 5,573,000 |
| Noninterest income | 70,000 | 240,000 | 348,000 | 494,000 |
| Noninterest expense | 1,095,000 | 2,313,000 | 3,572,000 | 4,991,000 |
| Provision for loan losses | 0 | 60,000 | 90,000 | 275,000 |
| Pretax income | 192,000 | 428,000 | 684,000 | 801,000 |
| Income tax | -87,000 | -175,000 | -175,000 | -1,675,000 |
| Net income | 279,000 | 603,000 | 859,000 | 2,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,405,000 | 16,728,000 | 20,286,000 | 22,000,000 |
| Total capital | 17,818,000 | 18,044,000 | 21,676,000 | 23,583,000 |
| Risk-weighted assets | 112,948,000 | 125,672,000 | 133,700,000 | 145,971,000 |