Call reports 2009
AVAILA BANK — 2009
What AVAILA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 314,523,000 | 307,032,000 | 317,313,000 | 322,433,000 |
| Total loans | 221,624,000 | 225,554,000 | 233,720,000 | 238,205,000 |
| Allowance for loan losses | 2,537,000 | 2,828,000 | 3,333,000 | 3,490,000 |
| Securities available for sale | 61,158,000 | 61,795,000 | 58,951,000 | 57,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,862,000 | 270,866,000 | 280,221,000 | 280,687,000 |
| Interest-bearing deposits | 256,488,000 | 249,842,000 | 260,416,000 | 255,711,000 |
| Noninterest-bearing deposits | 20,374,000 | 21,024,000 | 19,805,000 | 24,976,000 |
| Equity capital | 21,089,000 | 21,621,000 | 23,693,000 | 23,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,243,000 | 8,512,000 | 12,670,000 | 16,882,000 |
| Interest expense | 1,557,000 | 3,045,000 | 4,467,000 | 5,717,000 |
| Net interest income | 2,686,000 | 5,467,000 | 8,203,000 | 11,165,000 |
| Noninterest income | 361,000 | 723,000 | 1,202,000 | 1,782,000 |
| Noninterest expense | 1,955,000 | 4,167,000 | 6,140,000 | 8,385,000 |
| Provision for loan losses | 200,000 | 500,000 | 1,100,000 | 1,700,000 |
| Pretax income | 1,011,000 | 1,541,000 | 2,169,000 | 2,874,000 |
| Income tax | 228,000 | 228,000 | 268,000 | 333,000 |
| Net income | 783,000 | 1,313,000 | 1,901,000 | 2,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,138,000 | 23,669,000 | 24,257,000 | 24,897,000 |
| Total capital | 25,675,000 | 26,497,000 | 27,453,000 | 28,145,000 |
| Risk-weighted assets | 243,065,000 | 245,818,000 | 255,550,000 | 259,573,000 |