Call reports 2015
FIRST NATIONAL BANK OF AVA, THE — 2015
What FIRST NATIONAL BANK OF AVA, THE 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 | 61,672,000 | 59,904,000 | 61,006,000 | 60,395,000 |
| Total loans | 32,942,000 | 33,713,000 | 35,378,000 | 35,173,000 |
| Allowance for loan losses | 593,000 | 577,000 | 526,000 | 531,000 |
| Securities available for sale | 26,394,000 | 24,965,000 | 23,914,000 | 23,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,942,000 | 50,335,000 | 49,704,000 | 50,174,000 |
| Interest-bearing deposits | 43,047,000 | 42,642,000 | 42,018,000 | 42,252,000 |
| Noninterest-bearing deposits | 7,895,000 | 7,693,000 | 7,686,000 | 7,922,000 |
| Equity capital | 8,576,000 | 8,448,000 | 8,633,000 | 8,707,000 |
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 | 715,000 | 1,451,000 | 2,198,000 | 2,938,000 |
| Interest expense | 77,000 | 150,000 | 223,000 | 293,000 |
| Net interest income | 638,000 | 1,301,000 | 1,975,000 | 2,645,000 |
| Noninterest income | 55,000 | 120,000 | 152,000 | 203,000 |
| Noninterest expense | 377,000 | 743,000 | 1,127,000 | 1,645,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 334,000 | 687,000 | 1,003,000 | 1,194,000 |
| Income tax | 87,000 | 178,000 | 258,000 | 270,000 |
| Net income | 247,000 | 509,000 | 745,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,939,000 | 8,076,000 | 8,182,000 | 8,244,000 |
| Total capital | 8,426,000 | 8,569,000 | 8,693,000 | 8,750,000 |
| Risk-weighted assets | 38,807,000 | 39,364,000 | 40,821,000 | 40,434,000 |