Call reports 2015
ASHEVILLE SAVINGS BANK, SSB — 2015
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 771,767,000 | 780,562,000 | 795,051,000 | 781,735,000 |
| Total loans | 549,484,000 | 562,456,000 | 575,505,000 | 584,047,000 |
| Allowance for loan losses | 6,042,000 | 6,124,000 | 6,297,000 | 6,289,000 |
| Securities available for sale | 129,171,000 | 134,813,000 | 134,608,000 | 137,555,000 |
| Securities held to maturity | 3,947,000 | 3,899,000 | 3,851,000 | 3,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,909,000 | 629,589,000 | 641,295,000 | 633,074,000 |
| Interest-bearing deposits | 502,100,000 | 504,228,000 | 511,810,000 | 516,873,000 |
| Noninterest-bearing deposits | 112,809,000 | 125,361,000 | 129,485,000 | 116,201,000 |
| Equity capital | 88,652,000 | 86,149,000 | 88,207,000 | 84,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,172,000 | 12,528,000 | 19,019,000 | 25,580,000 |
| Interest expense | 890,000 | 1,799,000 | 2,706,000 | 3,603,000 |
| Net interest income | 5,282,000 | 10,729,000 | 16,313,000 | 21,977,000 |
| Noninterest income | 1,549,000 | 3,319,000 | 5,175,000 | 6,826,000 |
| Noninterest expense | 5,659,000 | 11,493,000 | 17,182,000 | 22,968,000 |
| Provision for loan losses | 194,000 | 259,000 | 450,000 | 361,000 |
| Pretax income | 1,034,000 | 2,495,000 | 4,257,000 | 6,049,000 |
| Income tax | 348,000 | 839,000 | 1,377,000 | 2,150,000 |
| Net income | 686,000 | 1,656,000 | 2,880,000 | 3,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,496,000 | 92,581,000 | 93,983,000 | 89,183,000 |
| Total capital | 99,542,000 | 98,705,000 | 100,283,000 | 95,472,000 |
| Risk-weighted assets | 546,871,000 | 557,248,000 | 569,408,000 | 568,073,000 |