Call reports 2005
ASHEVILLE SAVINGS BANK, SSB — 2005
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 553,039,000 | 570,530,000 | 572,237,000 | 575,831,000 |
| Total loans | 464,455,000 | 478,718,000 | 481,610,000 | 484,211,000 |
| Allowance for loan losses | 4,140,000 | 4,470,000 | 4,458,000 | 4,639,000 |
| Securities available for sale | 32,041,000 | 30,897,000 | 28,034,000 | 26,702,000 |
| Securities held to maturity | 17,462,000 | 16,507,000 | 15,536,000 | 14,761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,704,000 | 436,424,000 | 451,784,000 | 459,264,000 |
| Interest-bearing deposits | 410,564,000 | 413,791,000 | 427,489,000 | 433,501,000 |
| Noninterest-bearing deposits | 18,140,000 | 22,633,000 | 24,295,000 | 25,763,000 |
| Equity capital | 57,278,000 | 58,622,000 | 60,359,000 | 61,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,047,000 | 14,477,000 | 22,291,000 | 30,307,000 |
| Interest expense | 2,376,000 | 5,009,000 | 8,014,000 | 11,242,000 |
| Net interest income | 4,671,000 | 9,468,000 | 14,277,000 | 19,065,000 |
| Noninterest income | 1,257,000 | 2,705,000 | 4,698,000 | 6,222,000 |
| Noninterest expense | 3,941,000 | 7,793,000 | 11,784,000 | 15,817,000 |
| Provision for loan losses | 399,000 | 914,000 | 1,153,000 | 1,302,000 |
| Pretax income | 1,588,000 | 3,466,000 | 6,038,000 | 8,168,000 |
| Income tax | 211,000 | 935,000 | 1,601,000 | 2,362,000 |
| Net income | 1,377,000 | 2,531,000 | 4,437,000 | 5,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,573,000 | 58,739,000 | 60,638,000 | 62,005,000 |
| Total capital | 61,713,000 | 63,210,000 | 65,096,000 | 66,644,000 |
| Risk-weighted assets | 401,692,000 | 413,010,000 | 416,102,000 | 419,471,000 |