Call reports 2015
FIRST STATE BANK OF ASHBY — 2015
What FIRST STATE BANK OF ASHBY 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 | 32,165,000 | 32,259,000 | 32,449,000 | 33,174,000 |
| Total loans | 19,044,000 | 20,783,000 | 21,710,000 | 21,983,000 |
| Allowance for loan losses | 191,000 | 200,000 | 211,000 | 223,000 |
| Securities available for sale | 7,098,000 | 7,120,000 | 5,869,000 | 5,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,308,000 | 29,431,000 | 29,631,000 | 30,317,000 |
| Interest-bearing deposits | 24,812,000 | 24,980,000 | 25,196,000 | 25,592,000 |
| Noninterest-bearing deposits | 4,495,000 | 4,451,000 | 4,435,000 | 4,725,000 |
| Equity capital | 2,675,000 | 2,656,000 | 2,653,000 | 2,691,000 |
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 | 309,000 | 638,000 | 982,000 | 1,341,000 |
| Interest expense | 44,000 | 86,000 | 128,000 | 169,000 |
| Net interest income | 265,000 | 552,000 | 854,000 | 1,172,000 |
| Noninterest income | 33,000 | 63,000 | 96,000 | 135,000 |
| Noninterest expense | 240,000 | 486,000 | 753,000 | 986,000 |
| Provision for loan losses | 4,000 | 12,000 | 22,000 | 34,000 |
| Pretax income | 54,000 | 117,000 | 202,000 | 314,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 54,000 | 117,000 | 201,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,577,000 | 2,656,000 | 2,600,000 | 2,673,000 |
| Total capital | 2,768,000 | 2,856,000 | 2,811,000 | 2,896,000 |
| Risk-weighted assets | 24,542,000 | 18,526,000 | 19,324,000 | 21,108,000 |
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