Call reports 2007
AVAILA BANK — 2007
What AVAILA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 247,104,000 | 245,279,000 | 254,872,000 | 267,503,000 |
| Total loans | 183,455,000 | 186,012,000 | 190,823,000 | 199,013,000 |
| Allowance for loan losses | 1,794,000 | 1,941,000 | 1,986,000 | 2,031,000 |
| Securities available for sale | 40,074,000 | 44,782,000 | 46,658,000 | 50,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,804,000 | 207,673,000 | 224,537,000 | 235,501,000 |
| Interest-bearing deposits | 194,549,000 | 190,556,000 | 206,658,000 | 216,723,000 |
| Noninterest-bearing deposits | 17,255,000 | 17,117,000 | 17,879,000 | 18,778,000 |
| Equity capital | 18,368,000 | 18,443,000 | 19,285,000 | 20,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,874,000 | 7,946,000 | 12,103,000 | 16,362,000 |
| Interest expense | 1,941,000 | 4,038,000 | 6,212,000 | 8,448,000 |
| Net interest income | 1,933,000 | 3,908,000 | 5,891,000 | 7,914,000 |
| Noninterest income | 365,000 | 725,000 | 1,138,000 | 1,587,000 |
| Noninterest expense | 1,596,000 | 3,166,000 | 4,825,000 | 6,582,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 612,000 | 1,332,000 | 2,027,000 | 2,709,000 |
| Income tax | 114,000 | 289,000 | 467,000 | 577,000 |
| Net income | 498,000 | 1,043,000 | 1,560,000 | 2,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,600,000 | 19,146,000 | 19,662,000 | 20,234,000 |
| Total capital | 20,394,000 | 21,087,000 | 21,648,000 | 22,265,000 |
| Risk-weighted assets | 197,819,000 | 198,925,000 | 204,875,000 | 214,864,000 |
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