Home > Ashville Savings Bank > Income and Expense
Ashville Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,248,000 | 2,900 |
| Total interest expense | $5,615,000 | 2,658 |
| Net interest income | $5,633,000 | 3,103 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $995,000 | 3,055 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $713,000 | 1,823 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $282,000 | 4,072 |
| Total noninterest expense | $4,051,000 | 3,136 |
| Salaries and employee benefits | $2,591,000 | 2,556 |
| Premises and equipment expense | $600,000 | 3,154 |
| Additional noninterest expense | $860,000 | 4,476 |
| Pre-tax net operating income | $2,517,000 | 2,895 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $849,000 | 2,801 |
| Income before extraordinary items | $1,675,000 | 3,033 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,675,000 | 3,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,670,380 | 2,985 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,322,000 | 3,183 |
| Total interest expense | $5,141,000 | 2,922 |
| Net interest income | $5,181,000 | 3,436 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $958,000 | 3,235 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $617,000 | 2,190 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $341,000 | 3,757 |
| Total noninterest expense | $3,907,000 | 3,422 |
| Salaries and employee benefits | $2,554,000 | 2,628 |
| Premises and equipment expense | $581,000 | 3,311 |
| Additional noninterest expense | $772,000 | 5,340 |
| Pre-tax net operating income | $2,172,000 | 3,192 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $745,000 | 3,032 |
| Income before extraordinary items | $1,452,000 | 3,297 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,452,000 | 3,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $581,000 | 3,123 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,435,500 | 3,292 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,152,000 | 3,569 |
| Total interest expense | $4,621,000 | 3,243 |
| Net interest income | $4,531,000 | 3,878 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $690,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $507,000 | 2,681 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $183,000 | 5,373 |
| Total noninterest expense | $3,698,000 | 3,557 |
| Salaries and employee benefits | $2,329,000 | 2,865 |
| Premises and equipment expense | $554,000 | 3,443 |
| Additional noninterest expense | $815,000 | 5,171 |
| Pre-tax net operating income | $1,451,000 | 4,581 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $452,000 | 4,514 |
| Income before extraordinary items | $1,008,000 | 4,584 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,008,000 | 4,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,798 |
| Cash dividends | $93,000 | 6,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,001,790 | 4,591 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,133,000 | 3,683 |
| Total interest expense | $3,531,000 | 3,427 |
| Net interest income | $4,602,000 | 3,832 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $509,000 | 5,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 7,669 |
| Total noninterest expense | $3,542,000 | 3,804 |
| Salaries and employee benefits | $2,198,000 | 3,011 |
| Premises and equipment expense | $512,000 | 3,723 |
| Additional noninterest expense | $832,000 | 5,519 |
| Pre-tax net operating income | $1,497,000 | 4,418 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $457,000 | 4,336 |
| Income before extraordinary items | $1,040,000 | 4,385 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,040,000 | 4,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,618 |
| Cash dividends | $95,000 | 7,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,040,000 | 4,444 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,523,000 | 4,036 |
| Total interest expense | $3,200,000 | 3,893 |
| Net interest income | $4,323,000 | 4,101 |
| Provision for loan and lease losses | $66,000 | 6,760 |
| Total noninterest income | $522,000 | 5,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $430,000 | 3,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 8,143 |
| Total noninterest expense | $3,284,000 | 4,154 |
| Salaries and employee benefits | $2,068,000 | 3,177 |
| Premises and equipment expense | $450,000 | 4,270 |
| Additional noninterest expense | $766,000 | 6,130 |
| Pre-tax net operating income | $1,495,000 | 4,332 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $458,000 | 4,532 |
| Income before extraordinary items | $1,045,000 | 4,533 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,045,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,039,400 | 4,313 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,285,000 | 4,666 |
| Total interest expense | $3,414,000 | 4,639 |
| Net interest income | $3,871,000 | 4,583 |
| Provision for loan and lease losses | $82,000 | 7,825 |
| Total noninterest income | $503,000 | 5,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 4,066 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 6,272 |
| Total noninterest expense | $2,971,000 | 4,580 |
| Salaries and employee benefits | $1,788,000 | 3,583 |
| Premises and equipment expense | $420,000 | 4,618 |
| Additional noninterest expense | $763,000 | 6,328 |
| Pre-tax net operating income | $1,321,000 | 4,555 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $403,000 | 4,769 |
| Income before extraordinary items | $927,000 | 4,821 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $927,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $102,000 | 6,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $920,700 | 4,525 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.