Call reports 2011
ASHEVILLE SAVINGS BANK, SSB — 2011
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 750,828,000 | 755,229,000 | 798,888,000 | 785,846,000 |
| Total loans | 486,434,000 | 471,763,000 | 454,718,000 | 439,705,000 |
| Allowance for loan losses | 12,632,000 | 12,353,000 | 10,873,000 | 10,627,000 |
| Securities available for sale | 198,596,000 | 220,254,000 | 229,913,000 | 241,784,000 |
| Securities held to maturity | 5,720,000 | 5,548,000 | 5,373,000 | 5,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,700,000 | 617,912,000 | 666,431,000 | 625,295,000 |
| Interest-bearing deposits | 568,429,000 | 566,137,000 | 559,311,000 | 545,753,000 |
| Noninterest-bearing deposits | 49,271,000 | 51,775,000 | 107,120,000 | 79,542,000 |
| Equity capital | 63,295,000 | 65,547,000 | 67,681,000 | 89,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,417,000 | 15,065,000 | 22,275,000 | 29,051,000 |
| Interest expense | 2,304,000 | 4,508,000 | 6,628,000 | 8,674,000 |
| Net interest income | 5,113,000 | 10,557,000 | 15,647,000 | 20,377,000 |
| Noninterest income | 1,609,000 | 3,130,000 | 4,548,000 | 5,702,000 |
| Noninterest expense | 5,196,000 | 10,788,000 | 16,061,000 | 21,830,000 |
| Provision for loan losses | 657,000 | 1,082,000 | 1,812,000 | 3,785,000 |
| Pretax income | 869,000 | 2,040,000 | 2,962,000 | 1,861,000 |
| Income tax | 284,000 | 713,000 | 1,064,000 | 621,000 |
| Net income | 585,000 | 1,327,000 | 1,898,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,241,000 | 65,753,000 | 66,968,000 | 88,897,000 |
| Total capital | 70,207,000 | 71,554,000 | 72,498,000 | 94,193,000 |
| Risk-weighted assets | 469,839,000 | 456,245,000 | 435,022,000 | 416,462,000 |