Call reports 2015
ASHTON STATE BANK — 2015
What ASHTON STATE 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 | 50,346,000 | 47,178,000 | 48,906,000 | 49,593,000 |
| Total loans | 29,171,000 | 28,178,000 | 29,834,000 | 30,442,000 |
| Allowance for loan losses | 340,000 | 357,000 | 372,000 | 345,000 |
| Securities available for sale | 16,873,000 | 16,977,000 | 16,922,000 | 16,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,973,000 | 37,651,000 | 37,345,000 | 37,601,000 |
| Interest-bearing deposits | 36,688,000 | 34,860,000 | 34,375,000 | 34,368,000 |
| Noninterest-bearing deposits | 4,285,000 | 2,791,000 | 2,970,000 | 3,233,000 |
| Equity capital | 5,522,000 | 5,411,000 | 5,635,000 | 5,578,000 |
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 | 468,000 | 939,000 | 1,417,000 | 1,943,000 |
| Interest expense | 89,000 | 178,000 | 267,000 | 361,000 |
| Net interest income | 379,000 | 761,000 | 1,150,000 | 1,582,000 |
| Noninterest income | 23,000 | 99,000 | 127,000 | 151,000 |
| Noninterest expense | 196,000 | 375,000 | 575,000 | 831,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 195,000 | 462,000 | 667,000 | 855,000 |
| Income tax | 9,000 | 23,000 | 33,000 | 42,000 |
| Net income | 186,000 | 439,000 | 634,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,175,000 | 5,323,000 | 5,423,000 | 5,390,000 |
| Total capital | 5,515,000 | 5,680,000 | 5,795,000 | 5,735,000 |
| Risk-weighted assets | 35,594,000 | 33,956,000 | 37,007,000 | 36,842,000 |