Call reports 2015
AVON STATE BANK — 2015
What AVON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 107,611,000 | 104,319,000 | 104,787,000 | 107,562,000 |
| Total loans | 43,195,000 | 42,549,000 | 42,301,000 | 41,522,000 |
| Allowance for loan losses | 573,000 | 574,000 | 558,000 | 558,000 |
| Securities available for sale | 50,819,000 | 49,067,000 | 49,036,000 | 47,537,000 |
| Securities held to maturity | 297,000 | 296,000 | 296,000 | 295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,659,000 | 91,285,000 | 91,522,000 | 94,004,000 |
| Interest-bearing deposits | 79,429,000 | 77,128,000 | 76,622,000 | 78,361,000 |
| Noninterest-bearing deposits | 14,229,000 | 14,157,000 | 14,901,000 | 15,643,000 |
| Equity capital | 13,588,000 | 12,371,000 | 13,159,000 | 13,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 758,000 | 1,511,000 | 2,265,000 | 3,035,000 |
| Interest expense | 84,000 | 166,000 | 244,000 | 321,000 |
| Net interest income | 674,000 | 1,345,000 | 2,021,000 | 2,714,000 |
| Noninterest income | 24,000 | 102,000 | 133,000 | 906,000 |
| Noninterest expense | 442,000 | 965,000 | 1,427,000 | 1,948,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 256,000 | 482,000 | 727,000 | 1,672,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 256,000 | 482,000 | 727,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,419,000 | 12,920,000 | 13,058,000 | 13,547,000 |
| Total capital | 13,964,000 | 13,458,000 | 13,586,000 | 14,070,000 |
| Risk-weighted assets | 43,641,000 | 42,994,000 | 42,208,000 | 41,678,000 |