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 | 23,102,000 | 23,200,000 | 23,010,000 | 23,191,000 |
| Total loans | 12,888,000 | 14,423,000 | 14,941,000 | 15,006,000 |
| Allowance for loan losses | 442,000 | 450,000 | 459,000 | 468,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,400,000 | 900,000 | 900,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,058,000 | 20,641,000 | 20,444,000 | 20,496,000 |
| Interest-bearing deposits | 18,736,000 | 18,593,000 | 18,081,000 | 17,897,000 |
| Noninterest-bearing deposits | 2,322,000 | 2,048,000 | 2,363,000 | 2,599,000 |
| Equity capital | 1,998,000 | 2,030,000 | 2,031,000 | 2,096,000 |
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 | 244,000 | 504,000 | 733,000 | 994,000 |
| Interest expense | 41,000 | 83,000 | 124,000 | 164,000 |
| Net interest income | 203,000 | 421,000 | 609,000 | 830,000 |
| Noninterest income | 20,000 | 45,000 | 62,000 | 82,000 |
| Noninterest expense | 141,000 | 296,000 | 461,000 | 631,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 74,000 | 155,000 | 187,000 | 251,000 |
| Income tax | 16,000 | 53,000 | 83,000 | 83,000 |
| Net income | 58,000 | 102,000 | 104,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,998,000 | 2,030,000 | 2,031,000 | 2,096,000 |
| Total capital | 2,185,000 | 2,239,000 | 2,250,000 | 2,303,000 |
| Risk-weighted assets | 14,670,000 | 16,503,000 | 17,266,000 | 16,279,000 |