Call reports 2006
ASHEVILLE SAVINGS BANK, SSB — 2006
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 581,589,000 | 586,326,000 | 597,349,000 | 597,268,000 |
| Total loans | 482,944,000 | 482,842,000 | 484,626,000 | 487,304,000 |
| Allowance for loan losses | 4,764,000 | 4,782,000 | 4,871,000 | 4,638,000 |
| Securities available for sale | 26,545,000 | 27,435,000 | 24,766,000 | 23,931,000 |
| Securities held to maturity | 14,153,000 | 13,566,000 | 12,993,000 | 12,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,282,000 | 466,619,000 | 480,518,000 | 483,787,000 |
| Interest-bearing deposits | 436,740,000 | 437,961,000 | 449,294,000 | 453,422,000 |
| Noninterest-bearing deposits | 26,542,000 | 28,658,000 | 31,224,000 | 30,365,000 |
| Equity capital | 62,768,000 | 64,043,000 | 65,548,000 | 66,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,300,000 | 17,007,000 | 26,108,000 | 35,328,000 |
| Interest expense | 3,353,000 | 7,089,000 | 11,315,000 | 15,751,000 |
| Net interest income | 4,947,000 | 9,918,000 | 14,793,000 | 19,577,000 |
| Noninterest income | 1,423,000 | 2,892,000 | 4,329,000 | 5,718,000 |
| Noninterest expense | 4,116,000 | 8,166,000 | 12,227,000 | 16,403,000 |
| Provision for loan losses | 263,000 | 519,000 | 776,000 | 647,000 |
| Pretax income | 1,991,000 | 4,125,000 | 6,119,000 | 8,245,000 |
| Income tax | 747,000 | 1,547,000 | 2,270,000 | 2,982,000 |
| Net income | 1,244,000 | 2,578,000 | 3,849,000 | 5,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,231,000 | 64,556,000 | 65,843,000 | 67,081,000 |
| Total capital | 67,995,000 | 69,338,000 | 70,714,000 | 71,719,000 |
| Risk-weighted assets | 421,780,000 | 423,441,000 | 428,231,000 | 431,545,000 |