Call reports 2012
AVON CO-OPERATIVE BANK — 2012
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,839,000 | 68,227,000 | 67,945,000 | 75,632,000 |
| Total loans | 38,894,000 | 39,506,000 | 41,153,000 | 49,878,000 |
| Allowance for loan losses | 228,000 | 197,000 | 197,000 | 220,000 |
| Securities available for sale | 21,386,000 | 20,679,000 | 19,728,000 | 18,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,772,000 | 59,077,000 | 58,645,000 | 61,383,000 |
| Interest-bearing deposits | 57,016,000 | 56,104,000 | 55,505,000 | 58,336,000 |
| Noninterest-bearing deposits | 2,756,000 | 2,973,000 | 3,140,000 | 3,047,000 |
| Equity capital | 8,590,000 | 8,708,000 | 8,800,000 | 8,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,250,000 | 1,830,000 | 2,470,000 |
| Interest expense | 147,000 | 283,000 | 407,000 | 542,000 |
| Net interest income | 476,000 | 967,000 | 1,423,000 | 1,928,000 |
| Noninterest income | 52,000 | 98,000 | 157,000 | 195,000 |
| Noninterest expense | 488,000 | 975,000 | 1,457,000 | 1,944,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 48,000 |
| Pretax income | 15,000 | 65,000 | 98,000 | 131,000 |
| Income tax | -15,000 | -13,000 | -23,000 | -26,000 |
| Net income | 30,000 | 78,000 | 121,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,214,000 | 8,262,000 | 8,306,000 | 8,341,000 |
| Total capital | 8,499,000 | 8,515,000 | 8,560,000 | 8,616,000 |
| Risk-weighted assets | 27,768,000 | 28,063,000 | 29,690,000 | 33,793,000 |