Call reports 2006
AVAILA BANK — 2006
What AVAILA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 209,457,000 | 212,916,000 | 221,771,000 | 235,437,000 |
| Total loans | 159,954,000 | 171,684,000 | 178,833,000 | 181,361,000 |
| Allowance for loan losses | 1,573,000 | 1,621,000 | 1,669,000 | 1,752,000 |
| Securities available for sale | 27,178,000 | 27,145,000 | 27,978,000 | 34,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,034,000 | 177,906,000 | 179,850,000 | 199,941,000 |
| Interest-bearing deposits | 163,224,000 | 160,819,000 | 162,448,000 | 174,943,000 |
| Noninterest-bearing deposits | 14,810,000 | 17,087,000 | 17,402,000 | 24,999,000 |
| Equity capital | 16,246,000 | 16,207,000 | 16,992,000 | 17,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,032,000 | 6,322,000 | 9,867,000 | 13,642,000 |
| Interest expense | 1,268,000 | 2,633,000 | 4,298,000 | 6,086,000 |
| Net interest income | 1,764,000 | 3,689,000 | 5,569,000 | 7,556,000 |
| Noninterest income | 230,000 | 528,000 | 838,000 | 1,221,000 |
| Noninterest expense | 1,514,000 | 3,059,000 | 4,658,000 | 6,267,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 383,000 | 1,000,000 | 1,432,000 | 2,157,000 |
| Income tax | 66,000 | 225,000 | 297,000 | 488,000 |
| Net income | 317,000 | 775,000 | 1,135,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,557,000 | 16,915,000 | 17,274,000 | 17,809,000 |
| Total capital | 18,130,000 | 18,536,000 | 18,943,000 | 19,561,000 |
| Risk-weighted assets | 170,978,000 | 180,452,000 | 187,224,000 | 191,604,000 |
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