Call reports 2004
AVON STATE BANK — 2004
What AVON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,877,000 | 101,692,000 | 106,122,000 | 104,518,000 |
| Total loans | 61,624,000 | 62,313,000 | 65,361,000 | 66,942,000 |
| Allowance for loan losses | 869,000 | 876,000 | 924,000 | 916,000 |
| Securities available for sale | 22,008,000 | 26,015,000 | 27,550,000 | 21,539,000 |
| Securities held to maturity | 3,758,000 | 3,459,000 | 3,137,000 | 3,108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,721,000 | 90,865,000 | 92,210,000 | 93,346,000 |
| Interest-bearing deposits | 82,117,000 | 82,129,000 | 83,185,000 | 84,274,000 |
| Noninterest-bearing deposits | 8,604,000 | 8,736,000 | 9,025,000 | 9,072,000 |
| Equity capital | 10,596,000 | 9,893,000 | 10,788,000 | 10,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,368,000 | 2,715,000 | 4,131,000 | 5,519,000 |
| Interest expense | 401,000 | 792,000 | 1,194,000 | 1,593,000 |
| Net interest income | 967,000 | 1,923,000 | 2,937,000 | 3,926,000 |
| Noninterest income | 50,000 | 102,000 | 147,000 | 197,000 |
| Noninterest expense | 376,000 | 749,000 | 1,190,000 | 1,602,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 596,000 | 1,199,000 | 1,772,000 | 2,363,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 595,000 | 1,197,000 | 1,770,000 | 2,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,200,000 | 10,326,000 | 10,683,000 | 11,040,000 |
| Total capital | 10,902,000 | 11,030,000 | 11,429,000 | 11,777,000 |
| Risk-weighted assets | 55,962,000 | 56,137,000 | 59,498,000 | 58,751,000 |