Call reports 2002
AVAILA BANK — 2002
What AVAILA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 133,198,000 | 133,096,000 | 133,892,000 | 133,018,000 |
| Total loans | 81,860,000 | 84,089,000 | 83,218,000 | 80,464,000 |
| Allowance for loan losses | 949,000 | 964,000 | 1,072,000 | 1,029,000 |
| Securities available for sale | 40,861,000 | 38,898,000 | 40,159,000 | 43,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,077,000 | 111,040,000 | 111,221,000 | 109,950,000 |
| Interest-bearing deposits | 103,445,000 | 101,682,000 | 101,268,000 | 98,285,000 |
| Noninterest-bearing deposits | 8,632,000 | 9,358,000 | 9,953,000 | 11,665,000 |
| Equity capital | 9,723,000 | 10,587,000 | 11,119,000 | 11,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,973,000 | 4,018,000 | 6,025,000 | 8,001,000 |
| Interest expense | 860,000 | 1,671,000 | 2,462,000 | 3,195,000 |
| Net interest income | 1,113,000 | 2,347,000 | 3,563,000 | 4,806,000 |
| Noninterest income | 162,000 | 315,000 | 477,000 | 661,000 |
| Noninterest expense | 881,000 | 1,726,000 | 2,613,000 | 3,530,000 |
| Provision for loan losses | 15,000 | 30,000 | 140,000 | 155,000 |
| Pretax income | 299,000 | 711,000 | 1,116,000 | 1,651,000 |
| Income tax | 30,000 | 58,000 | 117,000 | 215,000 |
| Net income | 269,000 | 653,000 | 999,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,627,000 | 10,011,000 | 10,357,000 | 10,794,000 |
| Total capital | 10,576,000 | 10,975,000 | 11,429,000 | 11,823,000 |
| Risk-weighted assets | 98,183,000 | 100,896,000 | 101,332,000 | 99,845,000 |
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