Call reports 2009
AVIDBANK — 2009
What AVIDBANK 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 | 277,795,000 | 273,903,000 | 285,032,000 | 308,004,000 |
| Total loans | 215,678,000 | 210,384,000 | 210,595,000 | 203,605,000 |
| Allowance for loan losses | 3,244,000 | 4,033,000 | 4,475,000 | 4,313,000 |
| Securities available for sale | 9,687,000 | 19,015,000 | 21,231,000 | 34,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,576,000 | 245,836,000 | 256,166,000 | 278,318,000 |
| Interest-bearing deposits | 193,033,000 | 186,269,000 | 197,154,000 | 207,110,000 |
| Noninterest-bearing deposits | 54,544,000 | 59,568,000 | 59,012,000 | 71,208,000 |
| Equity capital | 28,740,000 | 26,797,000 | 27,495,000 | 28,086,000 |
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 | 3,660,000 | 7,452,000 | 11,537,000 | 15,474,000 |
| Interest expense | 895,000 | 1,750,000 | 2,673,000 | 3,634,000 |
| Net interest income | 2,765,000 | 5,702,000 | 8,864,000 | 11,840,000 |
| Noninterest income | 65,000 | -114,000 | -45,000 | -266,000 |
| Noninterest expense | 2,112,000 | 4,256,000 | 6,328,000 | 8,400,000 |
| Provision for loan losses | 331,000 | 3,049,000 | 3,644,000 | 3,608,000 |
| Pretax income | 387,000 | -1,717,000 | -1,153,000 | -434,000 |
| Income tax | 45,000 | 51,000 | 54,000 | 57,000 |
| Net income | 342,000 | -1,768,000 | -1,207,000 | -491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,897,000 | 26,794,000 | 27,361,000 | 28,081,000 |
| Total capital | 31,948,000 | 29,871,000 | 30,465,000 | 31,233,000 |
| Risk-weighted assets | 243,686,000 | 245,012,000 | 247,827,000 | 250,843,000 |