Call reports 2004
AVIDBANK — 2004
What AVIDBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,095,000 | 43,129,000 | 52,420,000 | 53,873,000 |
| Total loans | 6,546,000 | 14,669,000 | 18,480,000 | 29,349,000 |
| Allowance for loan losses | 72,000 | 202,000 | 262,000 | 365,000 |
| Securities available for sale | 12,550,000 | 14,091,000 | 21,537,000 | 15,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,768,000 | 27,494,000 | 37,076,000 | 38,992,000 |
| Interest-bearing deposits | 14,564,000 | 23,199,000 | 31,684,000 | 30,359,000 |
| Noninterest-bearing deposits | 2,204,000 | 4,295,000 | 5,392,000 | 8,633,000 |
| Equity capital | 16,277,000 | 15,554,000 | 15,242,000 | 14,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 110,000 | 357,000 | 727,000 | 1,192,000 |
| Interest expense | 28,000 | 82,000 | 155,000 | 240,000 |
| Net interest income | 82,000 | 275,000 | 572,000 | 952,000 |
| Noninterest income | 30,000 | 61,000 | 93,000 | 111,000 |
| Noninterest expense | 650,000 | 1,346,000 | 2,066,000 | 2,787,000 |
| Provision for loan losses | 47,000 | 185,000 | 227,000 | 331,000 |
| Pretax income | -585,000 | -1,195,000 | -1,628,000 | -2,055,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -586,000 | -1,196,000 | -1,629,000 | -2,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,239,000 | 15,655,000 | 15,246,000 | 14,845,000 |
| Total capital | 16,311,000 | 15,875,000 | 15,508,000 | 15,210,000 |
| Risk-weighted assets | 13,064,000 | 23,226,000 | 31,510,000 | 40,054,000 |
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