Call reports 2015
AVAILA BANK — 2015
What AVAILA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 522,701,000 | 513,019,000 | 525,291,000 | 536,114,000 |
| Total loans | 338,231,000 | 342,604,000 | 344,165,000 | 350,836,000 |
| Allowance for loan losses | 5,051,000 | 4,838,000 | 4,737,000 | 4,634,000 |
| Securities available for sale | 135,897,000 | 135,134,000 | 139,263,000 | 139,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,872,000 | 438,934,000 | 448,493,000 | 443,338,000 |
| Interest-bearing deposits | 382,098,000 | 368,454,000 | 373,618,000 | 366,163,000 |
| Noninterest-bearing deposits | 66,774,000 | 70,480,000 | 74,875,000 | 77,175,000 |
| Equity capital | 57,888,000 | 57,072,000 | 59,029,000 | 60,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,792,000 | 9,743,000 | 14,748,000 | 19,828,000 |
| Interest expense | 451,000 | 895,000 | 1,350,000 | 1,817,000 |
| Net interest income | 4,341,000 | 8,848,000 | 13,398,000 | 18,011,000 |
| Noninterest income | 485,000 | 1,073,000 | 1,706,000 | 2,360,000 |
| Noninterest expense | 3,148,000 | 6,262,000 | 9,469,000 | 12,939,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,694,000 | 3,598,000 | 5,608,000 | 7,443,000 |
| Income tax | 341,000 | 749,000 | 1,131,000 | 1,410,000 |
| Net income | 1,353,000 | 2,849,000 | 4,477,000 | 6,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,110,000 | 56,956,000 | 57,935,000 | 58,840,000 |
| Total capital | 61,161,000 | 61,795,000 | 62,673,000 | 63,477,000 |
| Risk-weighted assets | 406,609,000 | 410,996,000 | 415,583,000 | 424,632,000 |