Call reports 2003
AVON CO-OPERATIVE BANK — 2003
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,511,000 | 55,002,000 | 55,756,000 | 56,083,000 |
| Total loans | 27,106,000 | 26,991,000 | 26,013,000 | 24,321,000 |
| Allowance for loan losses | 252,000 | 252,000 | 252,000 | 250,000 |
| Securities available for sale | 19,835,000 | 21,824,000 | 24,557,000 | 26,205,000 |
| Securities held to maturity | 2,614,000 | 2,284,000 | 1,846,000 | 1,677,000 |
| Trading assets | 0 | 1,000 | 0 | 0 |
| Total deposits | 47,277,000 | 48,548,000 | 49,548,000 | 49,858,000 |
| Interest-bearing deposits | 46,369,000 | 47,812,000 | 48,835,000 | 49,307,000 |
| Noninterest-bearing deposits | 908,000 | 736,000 | 713,000 | 551,000 |
| Equity capital | 5,993,000 | 6,138,000 | 6,142,000 | 6,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,415,000 | 2,081,000 | 2,730,000 |
| Interest expense | 262,000 | 522,000 | 766,000 | 982,000 |
| Net interest income | 443,000 | 893,000 | 1,315,000 | 1,748,000 |
| Noninterest income | 12,000 | 27,000 | 49,000 | 67,000 |
| Noninterest expense | 274,000 | 568,000 | 836,000 | 1,175,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 181,000 | 352,000 | 528,000 | 640,000 |
| Income tax | 74,000 | 144,000 | 175,000 | 221,000 |
| Net income | 107,000 | 208,000 | 353,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,978,000 | 6,079,000 | 6,224,000 | 6,291,000 |
| Total capital | 6,230,000 | 6,331,000 | 6,476,000 | 6,541,000 |
| Risk-weighted assets | 22,349,000 | 24,544,000 | 23,446,000 | 22,308,000 |
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