Call reports 2002
AVON STATE BANK — 2002
What AVON STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,137,000 | 89,655,000 | 90,676,000 | 101,963,000 |
| Total loans | 49,205,000 | 52,302,000 | 53,776,000 | 55,575,000 |
| Allowance for loan losses | 589,000 | 553,000 | 597,000 | 673,000 |
| Securities available for sale | 12,280,000 | 14,601,000 | 12,517,000 | 16,247,000 |
| Securities held to maturity | 15,265,000 | 15,056,000 | 16,501,000 | 14,828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,164,000 | 80,462,000 | 81,062,000 | 92,052,000 |
| Interest-bearing deposits | 70,028,000 | 72,753,000 | 73,674,000 | 83,378,000 |
| Noninterest-bearing deposits | 7,136,000 | 7,709,000 | 7,388,000 | 8,674,000 |
| Equity capital | 8,272,000 | 8,852,000 | 9,297,000 | 9,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,388,000 | 2,843,000 | 4,328,000 | 5,805,000 |
| Interest expense | 625,000 | 1,244,000 | 1,859,000 | 2,464,000 |
| Net interest income | 763,000 | 1,599,000 | 2,469,000 | 3,341,000 |
| Noninterest income | 34,000 | 77,000 | 132,000 | 178,000 |
| Noninterest expense | 366,000 | 730,000 | 1,121,000 | 1,468,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 230,000 |
| Pretax income | 386,000 | 856,000 | 1,345,000 | 1,821,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 386,000 | 856,000 | 1,345,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,454,000 | 8,613,000 | 8,938,000 | 9,215,000 |
| Total capital | 9,043,000 | 9,166,000 | 9,535,000 | 9,883,000 |
| Risk-weighted assets | 48,526,000 | 50,440,000 | 49,931,000 | 53,438,000 |