Call reports 2008
AVON CO-OPERATIVE BANK — 2008
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,751,000 | 58,231,000 | 60,696,000 | 62,202,000 |
| Total loans | 26,332,000 | 29,663,000 | 32,871,000 | 35,233,000 |
| Allowance for loan losses | 201,000 | 201,000 | 211,000 | 221,000 |
| Securities available for sale | 23,729,000 | 22,354,000 | 21,417,000 | 21,013,000 |
| Securities held to maturity | 327,000 | 320,000 | 134,000 | 119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,381,000 | 47,503,000 | 49,526,000 | 50,664,000 |
| Interest-bearing deposits | 47,478,000 | 46,338,000 | 48,456,000 | 49,663,000 |
| Noninterest-bearing deposits | 903,000 | 1,165,000 | 1,070,000 | 1,001,000 |
| Equity capital | 7,195,000 | 7,137,000 | 7,111,000 | 7,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,385,000 | 2,134,000 | 2,907,000 |
| Interest expense | 357,000 | 690,000 | 1,014,000 | 1,355,000 |
| Net interest income | 326,000 | 695,000 | 1,120,000 | 1,552,000 |
| Noninterest income | 21,000 | 48,000 | 71,000 | 102,000 |
| Noninterest expense | 359,000 | 694,000 | 1,081,000 | 1,462,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 20,000 |
| Pretax income | -2,000 | 59,000 | 110,000 | 182,000 |
| Income tax | -2,000 | -46,000 | -41,000 | -25,000 |
| Net income | 0 | 105,000 | 151,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,166,000 | 7,271,000 | 7,317,000 | 7,372,000 |
| Total capital | 7,367,000 | 7,472,000 | 7,528,000 | 7,592,000 |
| Risk-weighted assets | 22,656,000 | 24,244,000 | 26,495,000 | 27,294,000 |
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