Call reports 2004
AVON CO-OPERATIVE BANK — 2004
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,073,000 | 57,697,000 | 59,268,000 | 59,891,000 |
| Total loans | 24,572,000 | 25,570,000 | 26,432,000 | 26,347,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 26,654,000 | 27,196,000 | 28,429,000 | 29,572,000 |
| Securities held to maturity | 1,594,000 | 1,496,000 | 1,271,000 | 1,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,677,000 | 51,478,000 | 52,751,000 | 53,296,000 |
| Interest-bearing deposits | 49,781,000 | 50,825,000 | 51,819,000 | 52,264,000 |
| Noninterest-bearing deposits | 896,000 | 653,000 | 932,000 | 1,032,000 |
| Equity capital | 6,371,000 | 6,191,000 | 6,472,000 | 6,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 638,000 | 1,270,000 | 1,920,000 | 2,607,000 |
| Interest expense | 214,000 | 435,000 | 658,000 | 886,000 |
| Net interest income | 424,000 | 835,000 | 1,262,000 | 1,721,000 |
| Noninterest income | 11,000 | 37,000 | 57,000 | 81,000 |
| Noninterest expense | 276,000 | 608,000 | 914,000 | 1,253,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 264,000 | 405,000 | 549,000 |
| Income tax | 67,000 | 91,000 | 149,000 | 208,000 |
| Net income | 92,000 | 173,000 | 256,000 | 341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,382,000 | 6,463,000 | 6,547,000 | 6,632,000 |
| Total capital | 6,632,000 | 6,713,000 | 6,797,000 | 6,882,000 |
| Risk-weighted assets | 22,580,000 | 24,006,000 | 24,435,000 | 25,210,000 |
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