Call reports 2006
AVON STATE BANK — 2006
What AVON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,043,000 | 101,495,000 | 101,111,000 | 103,405,000 |
| Total loans | 73,067,000 | 75,060,000 | 74,984,000 | 73,560,000 |
| Allowance for loan losses | 1,031,000 | 1,022,000 | 1,055,000 | 1,084,000 |
| Securities available for sale | 16,236,000 | 14,777,000 | 15,092,000 | 15,130,000 |
| Securities held to maturity | 2,309,000 | 2,309,000 | 2,309,000 | 2,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,939,000 | 89,966,000 | 88,905,000 | 91,121,000 |
| Interest-bearing deposits | 77,129,000 | 79,206,000 | 77,424,000 | 79,837,000 |
| Noninterest-bearing deposits | 11,810,000 | 10,760,000 | 11,481,000 | 11,284,000 |
| Equity capital | 11,364,000 | 11,164,000 | 11,808,000 | 11,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,947,000 | 4,511,000 | 6,066,000 |
| Interest expense | 532,000 | 1,129,000 | 1,794,000 | 2,489,000 |
| Net interest income | 917,000 | 1,818,000 | 2,717,000 | 3,577,000 |
| Noninterest income | 53,000 | 128,000 | 196,000 | 230,000 |
| Noninterest expense | 369,000 | 884,000 | 1,287,000 | 1,752,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 556,000 | 944,000 | 1,463,000 | 1,847,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 556,000 | 944,000 | 1,463,000 | 1,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,917,000 | 11,880,000 | 12,209,000 | 12,162,000 |
| Total capital | 12,707,000 | 12,693,000 | 13,029,000 | 12,971,000 |
| Risk-weighted assets | 62,938,000 | 64,807,000 | 65,362,000 | 64,480,000 |