Call reports 2004
AVAILA BANK — 2004
What AVAILA BANK 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 | 150,610,000 | 155,953,000 | 164,514,000 | 167,425,000 |
| Total loans | 96,300,000 | 108,368,000 | 113,971,000 | 121,947,000 |
| Allowance for loan losses | 1,235,000 | 1,278,000 | 1,318,000 | 1,376,000 |
| Securities available for sale | 38,156,000 | 36,407,000 | 34,359,000 | 36,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,791,000 | 131,251,000 | 139,102,000 | 140,027,000 |
| Interest-bearing deposits | 114,568,000 | 119,195,000 | 125,388,000 | 123,762,000 |
| Noninterest-bearing deposits | 11,223,000 | 12,056,000 | 13,714,000 | 16,265,000 |
| Equity capital | 14,870,000 | 14,650,000 | 15,391,000 | 15,291,000 |
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 | 1,856,000 | 3,862,000 | 5,984,000 | 8,260,000 |
| Interest expense | 582,000 | 1,195,000 | 1,823,000 | 2,489,000 |
| Net interest income | 1,274,000 | 2,667,000 | 4,161,000 | 5,771,000 |
| Noninterest income | 168,000 | 335,000 | 567,000 | 862,000 |
| Noninterest expense | 1,237,000 | 2,412,000 | 3,626,000 | 4,901,000 |
| Provision for loan losses | 60,000 | 105,000 | 150,000 | 338,000 |
| Pretax income | 112,000 | 436,000 | 912,000 | 848,000 |
| Income tax | -4,000 | 0 | 18,000 | -145,000 |
| Net income | 116,000 | 436,000 | 894,000 | 993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,376,000 | 14,696,000 | 15,154,000 | 15,252,000 |
| Total capital | 15,611,000 | 15,974,000 | 16,472,000 | 16,628,000 |
| Risk-weighted assets | 105,682,000 | 125,336,000 | 130,522,000 | 137,567,000 |
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