Call reports 2013
AVON STATE BANK — 2013
What AVON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 109,151,000 | 105,675,000 | 106,251,000 | 105,653,000 |
| Total loans | 48,020,000 | 47,349,000 | 46,514,000 | 47,070,000 |
| Allowance for loan losses | 1,097,000 | 881,000 | 737,000 | 744,000 |
| Securities available for sale | 51,098,000 | 47,660,000 | 48,890,000 | 49,774,000 |
| Securities held to maturity | 797,000 | 796,000 | 796,000 | 515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,457,000 | 94,487,000 | 95,040,000 | 95,081,000 |
| Interest-bearing deposits | 82,774,000 | 81,353,000 | 81,916,000 | 81,819,000 |
| Noninterest-bearing deposits | 12,683,000 | 13,134,000 | 13,123,000 | 13,262,000 |
| Equity capital | 13,359,000 | 11,110,000 | 11,117,000 | 10,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,718,000 | 2,550,000 | 3,397,000 |
| Interest expense | 132,000 | 248,000 | 353,000 | 453,000 |
| Net interest income | 735,000 | 1,470,000 | 2,197,000 | 2,944,000 |
| Noninterest income | 13,000 | 92,000 | 109,000 | 152,000 |
| Noninterest expense | 482,000 | 1,163,000 | 1,688,000 | 2,280,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 266,000 | 399,000 | 618,000 | 816,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 266,000 | 399,000 | 618,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,779,000 | 12,783,000 | 13,002,000 | 13,150,000 |
| Total capital | 13,378,000 | 13,369,000 | 13,584,000 | 13,735,000 |
| Risk-weighted assets | 47,440,000 | 46,609,000 | 46,432,000 | 46,648,000 |