Call reports 2016
AVON CO-OPERATIVE BANK — 2016
What AVON CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 92,868,000 | 90,756,000 | 89,572,000 | 88,089,000 |
| Total loans | 71,768,000 | 69,441,000 | 67,993,000 | 67,197,000 |
| Allowance for loan losses | 270,000 | 235,000 | 235,000 | 235,000 |
| Securities available for sale | 13,538,000 | 13,087,000 | 14,112,000 | 16,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,418,000 | 76,991,000 | 77,464,000 | 76,461,000 |
| Interest-bearing deposits | 75,962,000 | 74,031,000 | 74,386,000 | 72,821,000 |
| Noninterest-bearing deposits | 3,456,000 | 2,960,000 | 3,078,000 | 3,640,000 |
| Equity capital | 9,201,000 | 9,413,000 | 9,357,000 | 9,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 749,000 | 1,470,000 | 2,157,000 | 2,899,000 |
| Interest expense | 203,000 | 402,000 | 596,000 | 791,000 |
| Net interest income | 546,000 | 1,068,000 | 1,561,000 | 2,108,000 |
| Noninterest income | 13,000 | 51,000 | 86,000 | 111,000 |
| Noninterest expense | 558,000 | 1,102,000 | 1,633,000 | 2,159,000 |
| Provision for loan losses | 0 | -35,000 | -35,000 | -35,000 |
| Pretax income | 45,000 | 106,000 | 103,000 | 197,000 |
| Income tax | -7,000 | -16,000 | -40,000 | -23,000 |
| Net income | 52,000 | 122,000 | 143,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,122,000 | 9,191,000 | 9,213,000 | 9,290,000 |
| Total capital | 9,426,000 | 9,462,000 | 9,484,000 | 9,561,000 |
| Risk-weighted assets | 46,068,000 | 45,267,000 | 43,509,000 | 42,749,000 |