Call reports 2013
ASHEVILLE SAVINGS BANK, SSB — 2013
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 744,586,000 | 739,724,000 | 738,830,000 | 723,684,000 |
| Total loans | 407,511,000 | 427,622,000 | 435,424,000 | 454,103,000 |
| Allowance for loan losses | 8,553,000 | 8,523,000 | 7,589,000 | 7,307,000 |
| Securities available for sale | 250,395,000 | 237,857,000 | 185,938,000 | 181,153,000 |
| Securities held to maturity | 4,556,000 | 4,433,000 | 4,322,000 | 4,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 592,020,000 | 590,294,000 | 586,413,000 | 574,274,000 |
| Interest-bearing deposits | 511,730,000 | 508,179,000 | 500,996,000 | 489,873,000 |
| Noninterest-bearing deposits | 80,290,000 | 82,115,000 | 85,417,000 | 84,401,000 |
| Equity capital | 89,751,000 | 86,362,000 | 86,150,000 | 87,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,720,000 | 11,387,000 | 17,130,000 | 22,880,000 |
| Interest expense | 1,151,000 | 2,284,000 | 3,338,000 | 4,329,000 |
| Net interest income | 4,569,000 | 9,103,000 | 13,792,000 | 18,551,000 |
| Noninterest income | 1,900,000 | 3,719,000 | 5,395,000 | 7,163,000 |
| Noninterest expense | 5,221,000 | 12,607,000 | 18,996,000 | 24,916,000 |
| Provision for loan losses | 112,000 | 128,000 | -735,000 | -681,000 |
| Pretax income | 1,129,000 | 775,000 | 1,794,000 | 2,345,000 |
| Income tax | 361,000 | 145,000 | 564,000 | 715,000 |
| Net income | 768,000 | 630,000 | 1,230,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,490,000 | 90,581,000 | 92,012,000 | 93,441,000 |
| Total capital | 96,500,000 | 95,954,000 | 97,517,000 | 99,006,000 |
| Risk-weighted assets | 396,452,000 | 426,722,000 | 438,330,000 | 443,424,000 |