Call reports 2005
AVON STATE BANK — 2005
What AVON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 104,447,000 | 101,690,000 | 103,445,000 | 104,843,000 |
| Total loans | 69,657,000 | 72,674,000 | 74,107,000 | 73,664,000 |
| Allowance for loan losses | 980,000 | 967,000 | 983,000 | 982,000 |
| Securities available for sale | 19,791,000 | 16,623,000 | 16,435,000 | 16,335,000 |
| Securities held to maturity | 3,079,000 | 3,079,000 | 2,668,000 | 2,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,964,000 | 90,024,000 | 90,743,000 | 93,223,000 |
| Interest-bearing deposits | 82,963,000 | 81,026,000 | 80,289,000 | 81,016,000 |
| Noninterest-bearing deposits | 10,001,000 | 8,998,000 | 10,454,000 | 12,207,000 |
| Equity capital | 10,828,000 | 11,271,000 | 11,417,000 | 11,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,389,000 | 2,811,000 | 4,263,000 | 5,749,000 |
| Interest expense | 421,000 | 888,000 | 1,379,000 | 1,896,000 |
| Net interest income | 968,000 | 1,923,000 | 2,884,000 | 3,853,000 |
| Noninterest income | 45,000 | 105,000 | 169,000 | 224,000 |
| Noninterest expense | 399,000 | 771,000 | 1,182,000 | 1,649,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 597,000 | 1,178,000 | 1,747,000 | 2,259,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 1,000 |
| Net income | 590,000 | 1,171,000 | 1,740,000 | 2,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,327,000 | 11,438,000 | 11,772,000 | 11,756,000 |
| Total capital | 12,094,000 | 12,222,000 | 12,569,000 | 12,556,000 |
| Risk-weighted assets | 61,151,000 | 62,502,000 | 63,696,000 | 63,816,000 |