Call reports 2013
AVON CO-OPERATIVE BANK — 2013
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,523,000 | 77,110,000 | 75,564,000 | 74,809,000 |
| Total loans | 49,781,000 | 52,548,000 | 53,107,000 | 54,357,000 |
| Allowance for loan losses | 220,000 | 213,000 | 214,000 | 214,000 |
| Securities available for sale | 17,849,000 | 17,199,000 | 16,405,000 | 14,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,262,000 | 64,097,000 | 62,666,000 | 63,013,000 |
| Interest-bearing deposits | 61,486,000 | 60,681,000 | 59,105,000 | 60,312,000 |
| Noninterest-bearing deposits | 3,776,000 | 3,416,000 | 3,561,000 | 2,701,000 |
| Equity capital | 8,816,000 | 8,680,000 | 8,614,000 | 8,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,234,000 | 1,855,000 | 2,462,000 |
| Interest expense | 146,000 | 288,000 | 427,000 | 558,000 |
| Net interest income | 464,000 | 946,000 | 1,428,000 | 1,904,000 |
| Noninterest income | 49,000 | 84,000 | 106,000 | 144,000 |
| Noninterest expense | 485,000 | 982,000 | 1,460,000 | 1,950,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 48,000 | 103,000 | 175,000 |
| Income tax | -8,000 | -1,000 | 1,000 | 9,000 |
| Net income | 36,000 | 49,000 | 102,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,377,000 | 8,376,000 | 8,436,000 | 8,500,000 |
| Total capital | 8,652,000 | 8,644,000 | 8,703,000 | 8,769,000 |
| Risk-weighted assets | 34,659,000 | 35,048,000 | 35,130,000 | 35,921,000 |