Call reports 2001
AVON STATE BANK — 2001
What AVON STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 73,967,000 | 78,119,000 | 78,864,000 | 82,933,000 |
| Total loans | 48,695,000 | 49,551,000 | 49,823,000 | 49,592,000 |
| Allowance for loan losses | 514,000 | 545,000 | 592,000 | 620,000 |
| Securities available for sale | 3,012,000 | 2,863,000 | 6,470,000 | 9,012,000 |
| Securities held to maturity | 14,656,000 | 15,748,000 | 15,256,000 | 16,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,778,000 | 69,227,000 | 69,832,000 | 74,074,000 |
| Interest-bearing deposits | 58,446,000 | 60,964,000 | 62,661,000 | 65,986,000 |
| Noninterest-bearing deposits | 6,332,000 | 8,263,000 | 7,171,000 | 8,088,000 |
| Equity capital | 8,344,000 | 8,436,000 | 8,280,000 | 8,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,414,000 | 2,823,000 | 4,245,000 | 5,647,000 |
| Interest expense | 728,000 | 1,449,000 | 2,171,000 | 2,869,000 |
| Net interest income | 686,000 | 1,374,000 | 2,074,000 | 2,778,000 |
| Noninterest income | 55,000 | 111,000 | 153,000 | 207,000 |
| Noninterest expense | 375,000 | 714,000 | 1,103,000 | 1,438,000 |
| Provision for loan losses | 30,000 | 60,000 | 310,000 | 340,000 |
| Pretax income | 336,000 | 711,000 | 814,000 | 1,207,000 |
| Income tax | 33,000 | 70,000 | 9,000 | 40,000 |
| Net income | 303,000 | 641,000 | 805,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,334,000 | 8,423,000 | 8,163,000 | 8,420,000 |
| Total capital | 8,848,000 | 8,968,000 | 8,755,000 | 9,019,000 |
| Risk-weighted assets | 46,915,000 | 47,616,000 | 47,993,000 | 47,872,000 |