Call reports 2010
AVON CO-OPERATIVE BANK — 2010
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 65,537,000 | 64,879,000 | 65,756,000 | 65,208,000 |
| Total loans | 38,636,000 | 39,301,000 | 38,842,000 | 39,498,000 |
| Allowance for loan losses | 293,000 | 288,000 | 279,000 | 287,000 |
| Securities available for sale | 16,223,000 | 18,677,000 | 20,088,000 | 20,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,322,000 | 55,478,000 | 56,099,000 | 55,703,000 |
| Interest-bearing deposits | 53,434,000 | 53,623,000 | 54,028,000 | 53,369,000 |
| Noninterest-bearing deposits | 1,888,000 | 1,855,000 | 2,071,000 | 2,334,000 |
| Equity capital | 7,931,000 | 8,058,000 | 8,240,000 | 8,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,424,000 | 2,141,000 | 2,821,000 |
| Interest expense | 219,000 | 428,000 | 630,000 | 824,000 |
| Net interest income | 494,000 | 996,000 | 1,511,000 | 1,997,000 |
| Noninterest income | 23,000 | 59,000 | 109,000 | 156,000 |
| Noninterest expense | 472,000 | 984,000 | 1,472,000 | 1,952,000 |
| Provision for loan losses | 0 | -44,000 | -44,000 | -36,000 |
| Pretax income | 118,000 | 188,000 | 265,000 | 310,000 |
| Income tax | 27,000 | 15,000 | 24,000 | 17,000 |
| Net income | 91,000 | 173,000 | 241,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,735,000 | 7,817,000 | 7,885,000 | 7,937,000 |
| Total capital | 8,028,000 | 8,105,000 | 8,164,000 | 8,224,000 |
| Risk-weighted assets | 29,422,000 | 28,281,000 | 28,009,000 | 28,516,000 |