Call reports 2014
ASHEVILLE SAVINGS BANK, SSB — 2014
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 739,378,000 | 749,994,000 | 747,964,000 | 757,402,000 |
| Total loans | 459,220,000 | 475,618,000 | 492,271,000 | 528,321,000 |
| Allowance for loan losses | 7,189,000 | 5,770,000 | 5,852,000 | 5,949,000 |
| Securities available for sale | 147,939,000 | 149,808,000 | 145,477,000 | 141,462,000 |
| Securities held to maturity | 4,175,000 | 4,113,000 | 4,053,000 | 3,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,886,000 | 596,381,000 | 598,227,000 | 605,696,000 |
| Interest-bearing deposits | 492,702,000 | 492,593,000 | 491,615,000 | 496,430,000 |
| Noninterest-bearing deposits | 95,184,000 | 103,788,000 | 106,612,000 | 109,266,000 |
| Equity capital | 89,238,000 | 91,327,000 | 87,356,000 | 87,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,752,000 | 11,558,000 | 17,494,000 | 23,686,000 |
| Interest expense | 919,000 | 1,836,000 | 2,754,000 | 3,662,000 |
| Net interest income | 4,833,000 | 9,722,000 | 14,740,000 | 20,024,000 |
| Noninterest income | 1,330,000 | 2,764,000 | 4,351,000 | 5,962,000 |
| Noninterest expense | 5,751,000 | 11,937,000 | 17,420,000 | 23,029,000 |
| Provision for loan losses | -68,000 | -1,458,000 | -1,218,000 | -998,000 |
| Pretax income | 594,000 | 2,219,000 | 3,101,000 | 4,171,000 |
| Income tax | 140,000 | 728,000 | 1,030,000 | 1,404,000 |
| Net income | 454,000 | 1,491,000 | 2,071,000 | 2,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,864,000 | 96,199,000 | 92,168,000 | 93,044,000 |
| Total capital | 99,359,000 | 101,821,000 | 98,016,000 | 98,994,000 |
| Risk-weighted assets | 437,902,000 | 449,638,000 | 467,825,000 | 504,878,000 |