Call reports 2009
FIRST NATIONAL BANK OF AVA, THE — 2009
What FIRST NATIONAL BANK OF AVA, THE 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 | 53,591,000 | 54,440,000 | 54,898,000 | 55,301,000 |
| Total loans | 30,687,000 | 30,059,000 | 32,647,000 | 33,113,000 |
| Allowance for loan losses | 562,000 | 574,000 | 578,000 | 580,000 |
| Securities available for sale | 18,515,000 | 19,819,000 | 20,307,000 | 20,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,974,000 | 47,851,000 | 47,288,000 | 47,930,000 |
| Interest-bearing deposits | 41,864,000 | 42,696,000 | 42,142,000 | 42,584,000 |
| Noninterest-bearing deposits | 5,110,000 | 5,155,000 | 5,146,000 | 5,346,000 |
| Equity capital | 6,200,000 | 6,279,000 | 6,697,000 | 6,552,000 |
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 | 775,000 | 1,552,000 | 2,355,000 | 3,164,000 |
| Interest expense | 303,000 | 599,000 | 889,000 | 1,159,000 |
| Net interest income | 472,000 | 953,000 | 1,466,000 | 2,005,000 |
| Noninterest income | 107,000 | 148,000 | 190,000 | 235,000 |
| Noninterest expense | 305,000 | 647,000 | 1,001,000 | 1,430,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 299,000 | 488,000 | 693,000 | 830,000 |
| Income tax | 83,000 | 121,000 | 165,000 | 186,000 |
| Net income | 216,000 | 367,000 | 528,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,127,000 | 6,214,000 | 6,307,000 | 6,294,000 |
| Total capital | 6,555,000 | 6,623,000 | 6,756,000 | 6,753,000 |
| Risk-weighted assets | 33,686,000 | 33,784,000 | 35,293,000 | 36,091,000 |