Call reports 2006
BANK OF ASHEVILLE, THE — 2006
What BANK OF ASHEVILLE, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 143,982,000 | 147,037,000 | 152,780,000 | 157,361,000 |
| Total loans | 105,454,000 | 110,747,000 | 118,651,000 | 122,464,000 |
| Allowance for loan losses | 1,845,000 | 1,830,000 | 1,863,000 | 1,884,000 |
| Securities available for sale | 26,513,000 | 25,726,000 | 25,711,000 | 26,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,652,000 | 125,767,000 | 128,366,000 | 135,662,000 |
| Interest-bearing deposits | 98,574,000 | 100,227,000 | 99,644,000 | 107,882,000 |
| Noninterest-bearing deposits | 26,078,000 | 25,540,000 | 28,722,000 | 27,780,000 |
| Equity capital | 14,292,000 | 14,483,000 | 15,462,000 | 16,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,391,000 | 5,072,000 | 8,053,000 | 11,171,000 |
| Interest expense | 806,000 | 1,704,000 | 2,756,000 | 3,917,000 |
| Net interest income | 1,585,000 | 3,368,000 | 5,297,000 | 7,254,000 |
| Noninterest income | 371,000 | 762,000 | 1,164,000 | 1,671,000 |
| Noninterest expense | 1,134,000 | 2,340,000 | 3,595,000 | 5,032,000 |
| Provision for loan losses | 91,000 | 152,000 | 213,000 | 285,000 |
| Pretax income | 647,000 | 1,430,000 | 2,403,000 | 3,358,000 |
| Income tax | 226,000 | 499,000 | 848,000 | 1,151,000 |
| Net income | 421,000 | 931,000 | 1,555,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,713,000 | 15,051,000 | 15,581,000 | 16,134,000 |
| Total capital | 16,115,000 | 16,525,000 | 17,144,000 | 17,731,000 |
| Risk-weighted assets | 111,733,000 | 117,574,000 | 124,710,000 | 127,441,000 |