Call reports 2016
ASHEVILLE SAVINGS BANK, SSB — 2016
What ASHEVILLE SAVINGS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 782,460,000 | 804,588,000 | 796,211,000 | 794,611,000 |
| Total loans | 600,918,000 | 611,164,000 | 605,647,000 | 611,412,000 |
| Allowance for loan losses | 6,722,000 | 6,583,000 | 6,464,000 | 6,544,000 |
| Securities available for sale | 118,605,000 | 107,134,000 | 106,331,000 | 99,909,000 |
| Securities held to maturity | 3,769,000 | 3,735,000 | 3,704,000 | 3,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,672,000 | 644,498,000 | 645,709,000 | 650,207,000 |
| Interest-bearing deposits | 513,739,000 | 512,824,000 | 511,044,000 | 516,885,000 |
| Noninterest-bearing deposits | 117,933,000 | 131,674,000 | 134,665,000 | 133,322,000 |
| Equity capital | 86,332,000 | 88,993,000 | 86,236,000 | 85,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,701,000 | 13,440,000 | 20,605,000 | 27,530,000 |
| Interest expense | 870,000 | 1,752,000 | 2,651,000 | 3,553,000 |
| Net interest income | 5,831,000 | 11,688,000 | 17,954,000 | 23,977,000 |
| Noninterest income | 1,578,000 | 3,363,000 | 5,324,000 | 7,279,000 |
| Noninterest expense | 5,600,000 | 11,095,000 | 16,846,000 | 29,923,000 |
| Provision for loan losses | 399,000 | 503,000 | 411,000 | 548,000 |
| Pretax income | 1,866,000 | 4,625,000 | 7,340,000 | 2,106,000 |
| Income tax | 651,000 | 1,632,000 | 2,567,000 | 595,000 |
| Net income | 1,215,000 | 2,993,000 | 4,773,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,727,000 | 92,678,000 | 90,740,000 | 87,670,000 |
| Total capital | 97,449,000 | 99,261,000 | 97,204,000 | 94,214,000 |
| Risk-weighted assets | 579,105,000 | 600,762,000 | 601,970,000 | 598,315,000 |