Call reports 2014
FIRST STATE BANK OF ASHBY — 2014
What FIRST STATE BANK OF ASHBY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 32,183,000 | 32,136,000 | 31,613,000 | 32,115,000 |
| Total loans | 17,505,000 | 19,053,000 | 19,028,000 | 19,156,000 |
| Allowance for loan losses | 178,000 | 189,000 | 193,000 | 187,000 |
| Securities available for sale | 7,896,000 | 7,416,000 | 7,370,000 | 7,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,612,000 | 29,494,000 | 28,935,000 | 29,346,000 |
| Interest-bearing deposits | 25,335,000 | 24,888,000 | 24,492,000 | 24,078,000 |
| Noninterest-bearing deposits | 4,277,000 | 4,605,000 | 4,443,000 | 5,267,000 |
| Equity capital | 2,540,000 | 2,613,000 | 2,495,000 | 2,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 612,000 | 931,000 | 1,243,000 |
| Interest expense | 49,000 | 93,000 | 138,000 | 179,000 |
| Net interest income | 251,000 | 519,000 | 793,000 | 1,064,000 |
| Noninterest income | 29,000 | 62,000 | 95,000 | 131,000 |
| Noninterest expense | 244,000 | 499,000 | 796,000 | 1,048,000 |
| Provision for loan losses | 0 | 10,000 | 14,000 | 14,000 |
| Pretax income | 36,000 | 72,000 | 78,000 | 136,000 |
| Income tax | 0 | 1,000 | 0 | 0 |
| Net income | 36,000 | 71,000 | 78,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,581,000 | 2,600,000 | 2,494,000 | 2,552,000 |
| Total capital | 2,759,000 | 2,789,000 | 2,687,000 | 2,739,000 |
| Risk-weighted assets | 18,219,000 | 19,058,000 | 18,281,000 | 18,610,000 |