Call reports 2009
AVON STATE BANK — 2009
What AVON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 101,440,000 | 102,494,000 | 101,629,000 | 103,119,000 |
| Total loans | 62,554,000 | 60,213,000 | 58,243,000 | 57,809,000 |
| Allowance for loan losses | 997,000 | 726,000 | 1,141,000 | 1,197,000 |
| Securities available for sale | 19,120,000 | 22,516,000 | 24,397,000 | 22,063,000 |
| Securities held to maturity | 1,232,000 | 1,232,000 | 1,341,000 | 1,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,849,000 | 90,026,000 | 89,428,000 | 91,315,000 |
| Interest-bearing deposits | 78,817,000 | 80,714,000 | 79,938,000 | 81,765,000 |
| Noninterest-bearing deposits | 9,032,000 | 9,312,000 | 9,490,000 | 9,550,000 |
| Equity capital | 12,459,000 | 12,118,000 | 11,897,000 | 11,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,471,000 | 3,631,000 | 4,770,000 |
| Interest expense | 476,000 | 934,000 | 1,375,000 | 1,786,000 |
| Net interest income | 792,000 | 1,537,000 | 2,256,000 | 2,984,000 |
| Noninterest income | 43,000 | 77,000 | 104,000 | 124,000 |
| Noninterest expense | 434,000 | 998,000 | 1,394,000 | 1,866,000 |
| Provision for loan losses | 45,000 | 390,000 | 1,115,000 | 1,710,000 |
| Pretax income | 356,000 | 226,000 | -149,000 | -468,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 354,000 | 224,000 | -151,000 | -470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,158,000 | 11,895,000 | 11,520,000 | 11,201,000 |
| Total capital | 12,862,000 | 12,578,000 | 12,192,000 | 11,868,000 |
| Risk-weighted assets | 56,002,000 | 54,625,000 | 53,290,000 | 52,826,000 |