Call reports 2016
ACCESSBANK TEXAS — 2016
What ACCESSBANK TEXAS 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 | 212,873,000 | 277,554,000 | 293,636,000 | 292,535,000 |
| Total loans | 165,266,000 | 222,633,000 | 238,802,000 | 241,405,000 |
| Allowance for loan losses | 1,703,000 | 1,787,000 | 1,964,000 | 2,083,000 |
| Securities available for sale | 33,290,000 | 31,267,000 | 29,197,000 | 33,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,009,000 | 245,154,000 | 260,218,000 | 259,222,000 |
| Interest-bearing deposits | 157,667,000 | 191,100,000 | 207,431,000 | 205,308,000 |
| Noninterest-bearing deposits | 28,342,000 | 54,054,000 | 52,787,000 | 53,914,000 |
| Equity capital | 26,499,000 | 32,159,000 | 32,921,000 | 32,829,000 |
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 | 2,020,000 | 4,601,000 | 7,771,000 | 10,941,000 |
| Interest expense | 340,000 | 718,000 | 1,094,000 | 1,480,000 |
| Net interest income | 1,680,000 | 3,883,000 | 6,677,000 | 9,461,000 |
| Noninterest income | 120,000 | 421,000 | 898,000 | 1,314,000 |
| Noninterest expense | 1,309,000 | 2,969,000 | 4,973,000 | 7,276,000 |
| Provision for loan losses | 100,000 | 175,000 | 335,000 | 455,000 |
| Pretax income | 391,000 | 1,160,000 | 2,267,000 | 3,044,000 |
| Income tax | 133,000 | 395,000 | 768,000 | 1,035,000 |
| Net income | 258,000 | 765,000 | 1,499,000 | 2,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,177,000 | 30,044,000 | 31,038,000 | 31,653,000 |
| Total capital | 25,880,000 | 31,831,000 | 33,002,000 | 33,736,000 |
| Risk-weighted assets | 157,441,000 | 220,433,000 | 224,865,000 | 226,959,000 |