Call reports 2008
AVAILA BANK — 2008
What AVAILA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 283,097,000 | 286,698,000 | 289,972,000 | 301,781,000 |
| Total loans | 201,848,000 | 200,865,000 | 208,035,000 | 215,887,000 |
| Allowance for loan losses | 2,077,000 | 2,132,000 | 2,209,000 | 2,332,000 |
| Securities available for sale | 63,302,000 | 65,461,000 | 64,848,000 | 63,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,915,000 | 251,352,000 | 252,394,000 | 262,626,000 |
| Interest-bearing deposits | 226,841,000 | 232,422,000 | 231,165,000 | 238,916,000 |
| Noninterest-bearing deposits | 21,074,000 | 18,930,000 | 21,229,000 | 23,710,000 |
| Equity capital | 20,427,000 | 20,103,000 | 20,347,000 | 20,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,216,000 | 8,419,000 | 12,653,000 | 16,954,000 |
| Interest expense | 2,165,000 | 4,084,000 | 5,820,000 | 7,505,000 |
| Net interest income | 2,051,000 | 4,335,000 | 6,833,000 | 9,449,000 |
| Noninterest income | 447,000 | 827,000 | 1,263,000 | 1,833,000 |
| Noninterest expense | 1,738,000 | 3,541,000 | 5,190,000 | 7,355,000 |
| Provision for loan losses | 45,000 | 100,000 | 175,000 | 300,000 |
| Pretax income | 733,000 | 1,533,000 | 2,719,000 | 3,619,000 |
| Income tax | 125,000 | 284,000 | 567,000 | 698,000 |
| Net income | 608,000 | 1,249,000 | 2,152,000 | 2,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,643,000 | 21,183,000 | 21,987,000 | 22,756,000 |
| Total capital | 22,720,000 | 23,315,000 | 24,196,000 | 25,088,000 |
| Risk-weighted assets | 220,652,000 | 222,526,000 | 232,398,000 | 240,214,000 |