Call reports 2012
AVON STATE BANK — 2012
What AVON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 106,219,000 | 107,706,000 | 109,436,000 | 110,958,000 |
| Total loans | 51,966,000 | 51,004,000 | 50,480,000 | 49,724,000 |
| Allowance for loan losses | 1,115,000 | 1,096,000 | 1,083,000 | 1,090,000 |
| Securities available for sale | 38,285,000 | 42,820,000 | 49,103,000 | 49,419,000 |
| Securities held to maturity | 1,115,000 | 1,115,000 | 1,014,000 | 958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,573,000 | 94,047,000 | 96,113,000 | 97,366,000 |
| Interest-bearing deposits | 81,604,000 | 81,891,000 | 82,088,000 | 82,693,000 |
| Noninterest-bearing deposits | 10,968,000 | 12,156,000 | 14,025,000 | 14,674,000 |
| Equity capital | 13,205,000 | 13,520,000 | 13,205,000 | 13,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 939,000 | 1,854,000 | 2,772,000 | 3,671,000 |
| Interest expense | 177,000 | 345,000 | 502,000 | 648,000 |
| Net interest income | 762,000 | 1,509,000 | 2,270,000 | 3,023,000 |
| Noninterest income | 21,000 | 38,000 | 101,000 | 163,000 |
| Noninterest expense | 467,000 | 1,015,000 | 2,152,000 | 2,620,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 316,000 | 532,000 | 219,000 | 566,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 316,000 | 532,000 | 219,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,591,000 | 12,619,000 | 12,306,000 | 12,652,000 |
| Total capital | 13,211,000 | 13,243,000 | 12,922,000 | 13,263,000 |
| Risk-weighted assets | 49,103,000 | 49,417,000 | 48,814,000 | 48,427,000 |