Call reports 2009
ASHEVILLE SAVINGS BANK, SSB — 2009
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 724,335,000 | 743,167,000 | 749,676,000 | 749,412,000 |
| Total loans | 610,764,000 | 617,374,000 | 603,100,000 | 602,843,000 |
| Allowance for loan losses | 6,766,000 | 7,587,000 | 7,801,000 | 8,994,000 |
| Securities available for sale | 37,713,000 | 62,492,000 | 92,594,000 | 90,057,000 |
| Securities held to maturity | 5,015,000 | 8,019,000 | 7,605,000 | 6,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,649,000 | 603,280,000 | 610,811,000 | 609,843,000 |
| Interest-bearing deposits | 534,223,000 | 564,019,000 | 570,006,000 | 571,052,000 |
| Noninterest-bearing deposits | 37,426,000 | 39,261,000 | 40,805,000 | 38,791,000 |
| Equity capital | 70,483,000 | 70,297,000 | 71,674,000 | 73,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,945,000 | 17,903,000 | 27,039,000 | 35,842,000 |
| Interest expense | 3,852,000 | 7,714,000 | 11,415,000 | 14,772,000 |
| Net interest income | 5,093,000 | 10,189,000 | 15,624,000 | 21,070,000 |
| Noninterest income | 1,606,000 | 3,140,000 | 4,848,000 | 6,497,000 |
| Noninterest expense | 5,232,000 | 10,753,000 | 16,017,000 | 21,129,000 |
| Provision for loan losses | 801,000 | 2,118,000 | 2,762,000 | 4,655,000 |
| Pretax income | 666,000 | 803,000 | 2,228,000 | 2,322,000 |
| Income tax | 240,000 | 289,000 | 802,000 | 791,000 |
| Net income | 426,000 | 514,000 | 1,426,000 | 1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,872,000 | 74,958,000 | 75,878,000 | 75,975,000 |
| Total capital | 81,638,000 | 82,003,000 | 82,892,000 | 82,932,000 |
| Risk-weighted assets | 553,267,000 | 563,086,000 | 560,364,000 | 553,743,000 |