Call reports 2014
AVON STATE BANK — 2014
What AVON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,991,000 | 102,934,000 | 107,261,000 | 109,462,000 |
| Total loans | 45,379,000 | 44,961,000 | 45,169,000 | 44,133,000 |
| Allowance for loan losses | 748,000 | 672,000 | 652,000 | 639,000 |
| Securities available for sale | 49,851,000 | 50,600,000 | 50,551,000 | 49,954,000 |
| Securities held to maturity | 324,000 | 324,000 | 298,000 | 297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,279,000 | 90,801,000 | 94,891,000 | 96,520,000 |
| Interest-bearing deposits | 79,804,000 | 77,465,000 | 79,654,000 | 80,869,000 |
| Noninterest-bearing deposits | 13,475,000 | 13,336,000 | 15,237,000 | 15,652,000 |
| Equity capital | 11,258,000 | 12,069,000 | 12,280,000 | 12,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 820,000 | 1,622,000 | 2,421,000 | 3,208,000 |
| Interest expense | 92,000 | 181,000 | 270,000 | 358,000 |
| Net interest income | 728,000 | 1,441,000 | 2,151,000 | 2,850,000 |
| Noninterest income | 26,000 | 27,000 | 91,000 | 135,000 |
| Noninterest expense | 553,000 | 1,110,000 | 1,612,000 | 2,115,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 50,000 |
| Pretax income | 201,000 | 321,000 | 593,000 | 823,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 321,000 | 593,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,087,000 | 13,129,000 | 13,313,000 | 13,449,000 |
| Total capital | 13,657,000 | 13,691,000 | 13,887,000 | 14,025,000 |
| Risk-weighted assets | 45,412,000 | 44,848,000 | 45,853,000 | 45,983,000 |