Call reports 2016
AVAILA BANK — 2016
What AVAILA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 538,987,000 | 532,206,000 | 553,353,000 | 528,337,000 |
| Total loans | 350,343,000 | 343,484,000 | 350,054,000 | 356,650,000 |
| Allowance for loan losses | 4,913,000 | 4,977,000 | 5,057,000 | 5,143,000 |
| Securities available for sale | 139,395,000 | 144,375,000 | 145,992,000 | 107,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,512,000 | 444,157,000 | 463,294,000 | 445,256,000 |
| Interest-bearing deposits | 381,709,000 | 374,231,000 | 388,710,000 | 367,159,000 |
| Noninterest-bearing deposits | 71,803,000 | 69,926,000 | 74,584,000 | 78,097,000 |
| Equity capital | 61,938,000 | 64,426,000 | 64,754,000 | 60,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,028,000 | 10,033,000 | 15,200,000 | 20,302,000 |
| Interest expense | 484,000 | 996,000 | 1,569,000 | 2,152,000 |
| Net interest income | 4,544,000 | 9,037,000 | 13,631,000 | 18,150,000 |
| Noninterest income | 544,000 | 1,033,000 | 1,743,000 | 2,392,000 |
| Noninterest expense | 3,079,000 | 6,206,000 | 9,475,000 | 13,074,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,953,000 | 3,868,000 | 5,905,000 | 6,208,000 |
| Income tax | 380,000 | 766,000 | 1,132,000 | 880,000 |
| Net income | 1,573,000 | 3,102,000 | 4,773,000 | 5,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,713,000 | 60,545,000 | 61,520,000 | 61,384,000 |
| Total capital | 64,632,000 | 65,525,000 | 66,584,000 | 66,543,000 |
| Risk-weighted assets | 423,728,000 | 414,414,000 | 429,425,000 | 425,062,000 |