Call reports 2012
ASHEVILLE SAVINGS BANK, SSB — 2012
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 776,051,000 | 777,828,000 | 751,751,000 | 733,593,000 |
| Total loans | 423,557,000 | 414,530,000 | 411,519,000 | 397,855,000 |
| Allowance for loan losses | 10,562,000 | 11,563,000 | 10,220,000 | 8,513,000 |
| Securities available for sale | 250,227,000 | 270,822,000 | 268,095,000 | 231,160,000 |
| Securities held to maturity | 5,067,000 | 4,909,000 | 4,782,000 | 4,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 611,835,000 | 607,821,000 | 589,042,000 | 581,585,000 |
| Interest-bearing deposits | 545,506,000 | 534,011,000 | 511,121,000 | 505,273,000 |
| Noninterest-bearing deposits | 66,329,000 | 73,810,000 | 77,921,000 | 76,312,000 |
| Equity capital | 89,545,000 | 90,272,000 | 91,460,000 | 89,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,536,000 | 12,891,000 | 18,935,000 | 24,864,000 |
| Interest expense | 1,956,000 | 3,734,000 | 5,297,000 | 6,636,000 |
| Net interest income | 4,580,000 | 9,157,000 | 13,638,000 | 18,228,000 |
| Noninterest income | 1,424,000 | 3,083,000 | 4,613,000 | 6,219,000 |
| Noninterest expense | 5,443,000 | 10,863,000 | 16,497,000 | 24,561,000 |
| Provision for loan losses | 598,000 | 1,891,000 | 2,433,000 | 1,700,000 |
| Pretax income | 465,000 | 316,000 | 1,037,000 | 1,376,000 |
| Income tax | 147,000 | 61,000 | 295,000 | 374,000 |
| Net income | 318,000 | 255,000 | 742,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,342,000 | 89,018,000 | 89,813,000 | 90,388,000 |
| Total capital | 94,524,000 | 94,139,000 | 94,780,000 | 95,498,000 |
| Risk-weighted assets | 408,390,000 | 402,160,000 | 390,755,000 | 404,360,000 |