Call reports 2003
AVON STATE BANK — 2003
What AVON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 102,264,000 | 101,012,000 | 98,231,000 | 105,162,000 |
| Total loans | 55,403,000 | 58,497,000 | 59,960,000 | 60,282,000 |
| Allowance for loan losses | 803,000 | 825,000 | 909,000 | 856,000 |
| Securities available for sale | 13,253,000 | 20,433,000 | 20,678,000 | 21,290,000 |
| Securities held to maturity | 15,712,000 | 11,229,000 | 7,635,000 | 5,879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,461,000 | 90,727,000 | 87,928,000 | 94,869,000 |
| Interest-bearing deposits | 84,684,000 | 82,397,000 | 79,707,000 | 85,304,000 |
| Noninterest-bearing deposits | 7,777,000 | 8,330,000 | 8,221,000 | 9,565,000 |
| Equity capital | 9,314,000 | 9,763,000 | 9,783,000 | 10,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 2,895,000 | 4,304,000 | 5,645,000 |
| Interest expense | 561,000 | 1,064,000 | 1,533,000 | 1,974,000 |
| Net interest income | 915,000 | 1,831,000 | 2,771,000 | 3,671,000 |
| Noninterest income | 47,000 | 104,000 | 157,000 | 201,000 |
| Noninterest expense | 377,000 | 723,000 | 1,129,000 | 1,473,000 |
| Provision for loan losses | 541,000 | 586,000 | 631,000 | 776,000 |
| Pretax income | 44,000 | 626,000 | 1,163,000 | 1,618,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 42,000 | 624,000 | 1,161,000 | 1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,017,000 | 9,287,000 | 9,586,000 | 9,886,000 |
| Total capital | 9,681,000 | 9,975,000 | 10,276,000 | 10,589,000 |
| Risk-weighted assets | 52,947,000 | 54,955,000 | 54,992,000 | 56,097,000 |