Call reports 2003
AVAILA BANK — 2003
What AVAILA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 139,488,000 | 134,195,000 | 145,538,000 | 146,034,000 |
| Total loans | 79,696,000 | 76,926,000 | 82,205,000 | 87,937,000 |
| Allowance for loan losses | 1,040,000 | 1,054,000 | 1,071,000 | 1,175,000 |
| Securities available for sale | 50,840,000 | 50,810,000 | 53,436,000 | 45,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,833,000 | 110,691,000 | 122,257,000 | 120,504,000 |
| Interest-bearing deposits | 106,393,000 | 100,759,000 | 109,921,000 | 104,624,000 |
| Noninterest-bearing deposits | 10,440,000 | 9,933,000 | 12,336,000 | 15,879,000 |
| Equity capital | 11,215,000 | 11,856,000 | 11,659,000 | 11,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,865,000 | 3,718,000 | 5,579,000 | 7,426,000 |
| Interest expense | 669,000 | 1,319,000 | 1,932,000 | 2,538,000 |
| Net interest income | 1,196,000 | 2,399,000 | 3,647,000 | 4,888,000 |
| Noninterest income | 158,000 | 320,000 | 529,000 | 793,000 |
| Noninterest expense | 925,000 | 1,780,000 | 2,807,000 | 3,877,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 150,000 |
| Pretax income | 426,000 | 1,010,000 | 1,419,000 | 1,688,000 |
| Income tax | 28,000 | 144,000 | 168,000 | 132,000 |
| Net income | 398,000 | 866,000 | 1,251,000 | 1,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,602,000 | 11,070,000 | 11,455,000 | 11,760,000 |
| Total capital | 11,642,000 | 12,124,000 | 12,526,000 | 12,935,000 |
| Risk-weighted assets | 101,897,000 | 99,164,000 | 105,801,000 | 107,873,000 |
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