Call reports 2005
AVAILA BANK — 2005
What AVAILA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 175,461,000 | 183,334,000 | 186,483,000 | 198,706,000 |
| Total loans | 128,582,000 | 139,077,000 | 144,908,000 | 156,653,000 |
| Allowance for loan losses | 1,470,000 | 1,515,000 | 1,560,000 | 1,563,000 |
| Securities available for sale | 35,497,000 | 31,840,000 | 29,650,000 | 27,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,454,000 | 146,650,000 | 154,691,000 | 167,371,000 |
| Interest-bearing deposits | 135,359,000 | 131,459,000 | 141,285,000 | 148,272,000 |
| Noninterest-bearing deposits | 14,094,000 | 15,191,000 | 13,405,000 | 19,099,000 |
| Equity capital | 15,140,000 | 15,721,000 | 15,837,000 | 16,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,904,000 | 7,611,000 | 10,488,000 |
| Interest expense | 717,000 | 1,595,000 | 2,586,000 | 3,742,000 |
| Net interest income | 1,616,000 | 3,309,000 | 5,025,000 | 6,746,000 |
| Noninterest income | 167,000 | 343,000 | 600,000 | 988,000 |
| Noninterest expense | 1,286,000 | 2,648,000 | 4,023,000 | 5,667,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 432,000 | 890,000 | 1,422,000 | 1,627,000 |
| Income tax | 117,000 | 199,000 | 331,000 | 215,000 |
| Net income | 315,000 | 691,000 | 1,091,000 | 1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,450,000 | 15,825,000 | 16,125,000 | 16,345,000 |
| Total capital | 16,920,000 | 17,340,000 | 17,685,000 | 17,908,000 |
| Risk-weighted assets | 142,808,000 | 153,344,000 | 157,557,000 | 167,081,000 |
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