Call reports 2015
AVON CO-OPERATIVE BANK — 2015
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,353,000 | 93,351,000 | 92,723,000 | 94,650,000 |
| Total loans | 70,530,000 | 72,980,000 | 73,723,000 | 75,704,000 |
| Allowance for loan losses | 251,000 | 260,000 | 260,000 | 269,000 |
| Securities available for sale | 14,187,000 | 14,610,000 | 14,141,000 | 13,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,224,000 | 77,680,000 | 78,364,000 | 78,687,000 |
| Interest-bearing deposits | 74,327,000 | 74,851,000 | 75,082,000 | 75,930,000 |
| Noninterest-bearing deposits | 2,897,000 | 2,829,000 | 3,282,000 | 2,757,000 |
| Equity capital | 9,041,000 | 8,961,000 | 9,086,000 | 9,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 691,000 | 1,420,000 | 2,172,000 | 2,947,000 |
| Interest expense | 162,000 | 342,000 | 526,000 | 724,000 |
| Net interest income | 529,000 | 1,078,000 | 1,646,000 | 2,223,000 |
| Noninterest income | 52,000 | 74,000 | 108,000 | 134,000 |
| Noninterest expense | 508,000 | 1,018,000 | 1,576,000 | 2,112,000 |
| Provision for loan losses | 0 | 26,000 | 36,000 | 40,000 |
| Pretax income | 76,000 | 111,000 | 283,000 | 346,000 |
| Income tax | 9,000 | 13,000 | 55,000 | 56,000 |
| Net income | 67,000 | 98,000 | 228,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,847,000 | 8,878,000 | 9,008,000 | 9,070,000 |
| Total capital | 9,138,000 | 9,171,000 | 9,301,000 | 9,373,000 |
| Risk-weighted assets | 45,241,000 | 46,262,000 | 46,613,000 | 48,248,000 |