Call reports 2005
BANK OF ASHEVILLE, THE — 2005
What BANK OF ASHEVILLE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 128,577,000 | 135,373,000 | 136,729,000 | 138,467,000 |
| Total loans | 87,317,000 | 88,713,000 | 94,351,000 | 100,494,000 |
| Allowance for loan losses | 1,655,000 | 1,686,000 | 1,696,000 | 1,760,000 |
| Securities available for sale | 22,392,000 | 22,858,000 | 28,292,000 | 27,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,730,000 | 117,150,000 | 118,043,000 | 119,677,000 |
| Interest-bearing deposits | 86,215,000 | 91,879,000 | 93,308,000 | 94,356,000 |
| Noninterest-bearing deposits | 22,515,000 | 25,271,000 | 24,735,000 | 25,321,000 |
| Equity capital | 13,133,000 | 13,429,000 | 13,674,000 | 13,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,677,000 | 3,513,000 | 5,543,000 | 7,727,000 |
| Interest expense | 431,000 | 1,002,000 | 1,624,000 | 2,304,000 |
| Net interest income | 1,246,000 | 2,511,000 | 3,919,000 | 5,423,000 |
| Noninterest income | 355,000 | 710,000 | 1,143,000 | 1,555,000 |
| Noninterest expense | 1,138,000 | 2,266,000 | 3,390,000 | 4,529,000 |
| Provision for loan losses | 240,000 | 353,000 | 401,000 | 466,000 |
| Pretax income | 223,000 | 602,000 | 1,249,000 | 1,891,000 |
| Income tax | 80,000 | 218,000 | 457,000 | 679,000 |
| Net income | 143,000 | 384,000 | 792,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,444,000 | 13,616,000 | 13,947,000 | 14,292,000 |
| Total capital | 14,608,000 | 14,825,000 | 15,217,000 | 15,627,000 |
| Risk-weighted assets | 92,665,000 | 96,215,000 | 101,156,000 | 106,358,000 |