Call reports 2015
ATLANTIC STEWARDSHIP BANK — 2015
What ATLANTIC STEWARDSHIP 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 | 684,575,000 | 699,841,000 | 706,065,000 | 716,210,000 |
| Total loans | 490,878,000 | 508,389,000 | 519,645,000 | 527,901,000 |
| Allowance for loan losses | 9,600,000 | 9,299,000 | 8,805,000 | 8,823,000 |
| Securities available for sale | 93,493,000 | 89,798,000 | 85,933,000 | 92,298,000 |
| Securities held to maturity | 55,812,000 | 58,363,000 | 60,252,000 | 60,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 566,840,000 | 586,342,000 | 587,087,000 | 606,081,000 |
| Interest-bearing deposits | 535,362,000 | 548,905,000 | 557,107,000 | 579,654,000 |
| Noninterest-bearing deposits | 31,478,000 | 37,437,000 | 29,980,000 | 26,427,000 |
| Equity capital | 65,168,000 | 66,129,000 | 67,257,000 | 67,830,000 |
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 | 6,211,000 | 12,601,000 | 19,036,000 | 25,711,000 |
| Interest expense | 669,000 | 1,386,000 | 2,143,000 | 2,917,000 |
| Net interest income | 5,542,000 | 11,215,000 | 16,893,000 | 22,794,000 |
| Noninterest income | 749,000 | 1,598,000 | 2,406,000 | 3,212,000 |
| Noninterest expense | 4,976,000 | 9,989,000 | 15,048,000 | 19,873,000 |
| Provision for loan losses | -100,000 | -700,000 | -1,100,000 | -1,375,000 |
| Pretax income | 1,567,000 | 3,676,000 | 5,503,000 | 7,676,000 |
| Income tax | 519,000 | 1,265,000 | 1,897,000 | 2,680,000 |
| Net income | 1,048,000 | 2,411,000 | 3,606,000 | 4,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,009,000 | 66,228,000 | 67,067,000 | 68,118,000 |
| Total capital | 71,402,000 | 72,825,000 | 73,789,000 | 75,006,000 |
| Risk-weighted assets | 507,955,000 | 524,766,000 | 535,388,000 | 548,843,000 |