Call reports 2005
AVON CO-OPERATIVE BANK — 2005
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,560,000 | 59,161,000 | 60,270,000 | 58,545,000 |
| Total loans | 25,773,000 | 26,436,000 | 26,585,000 | 26,703,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 28,879,000 | 26,751,000 | 24,977,000 | 23,912,000 |
| Securities held to maturity | 1,199,000 | 1,146,000 | 937,000 | 889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,022,000 | 52,301,000 | 53,420,000 | 51,842,000 |
| Interest-bearing deposits | 51,497,000 | 51,298,000 | 51,577,000 | 50,936,000 |
| Noninterest-bearing deposits | 1,525,000 | 1,003,000 | 1,843,000 | 906,000 |
| Equity capital | 6,445,000 | 6,674,000 | 6,702,000 | 6,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,401,000 | 2,109,000 | 2,817,000 |
| Interest expense | 229,000 | 480,000 | 751,000 | 1,024,000 |
| Net interest income | 461,000 | 921,000 | 1,358,000 | 1,793,000 |
| Noninterest income | 17,000 | 35,000 | 56,000 | 78,000 |
| Noninterest expense | 328,000 | 658,000 | 977,000 | 1,296,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 260,000 | 397,000 | 535,000 |
| Income tax | 46,000 | 97,000 | 153,000 | 208,000 |
| Net income | 66,000 | 163,000 | 244,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,698,000 | 6,795,000 | 6,890,000 | 6,973,000 |
| Total capital | 6,948,000 | 7,045,000 | 7,140,000 | 7,223,000 |
| Risk-weighted assets | 22,749,000 | 22,678,000 | 23,135,000 | 23,059,000 |
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