Call reports 2009
BANK OF ASHEVILLE, THE — 2009
What BANK OF ASHEVILLE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 213,956,000 | 223,276,000 | 223,350,000 | 223,533,000 |
| Total loans | 175,007,000 | 180,614,000 | 185,442,000 | 185,475,000 |
| Allowance for loan losses | 2,678,000 | 2,848,000 | 3,520,000 | 3,512,000 |
| Securities available for sale | 23,518,000 | 22,998,000 | 22,415,000 | 25,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,571,000 | 196,556,000 | 196,920,000 | 198,406,000 |
| Interest-bearing deposits | 165,290,000 | 168,308,000 | 172,809,000 | 174,612,000 |
| Noninterest-bearing deposits | 22,281,000 | 28,248,000 | 24,111,000 | 23,794,000 |
| Equity capital | 19,777,000 | 20,209,000 | 20,606,000 | 19,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,300,000 | 9,508,000 | 12,198,000 |
| Interest expense | 1,168,000 | 2,308,000 | 3,345,000 | 4,271,000 |
| Net interest income | 1,896,000 | 3,992,000 | 6,163,000 | 7,927,000 |
| Noninterest income | 407,000 | 907,000 | 1,410,000 | 1,774,000 |
| Noninterest expense | 1,701,000 | 3,433,000 | 5,100,000 | 6,823,000 |
| Provision for loan losses | 255,000 | 476,000 | 1,345,000 | 3,218,000 |
| Pretax income | 347,000 | 990,000 | 1,128,000 | -340,000 |
| Income tax | 91,000 | 297,000 | 303,000 | -307,000 |
| Net income | 256,000 | 693,000 | 825,000 | -33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,605,000 | 20,042,000 | 20,130,000 | 19,234,000 |
| Total capital | 21,886,000 | 22,382,000 | 22,568,000 | 21,675,000 |
| Risk-weighted assets | 182,037,000 | 186,703,000 | 193,927,000 | 194,172,000 |