Call reports 2002
AVB BANK — 2002
What AVB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 207,509,000 | 209,374,000 | 210,667,000 | 207,188,000 |
| Total loans | 97,195,000 | 104,824,000 | 110,125,000 | 113,041,000 |
| Allowance for loan losses | 1,056,000 | 1,171,000 | 1,243,000 | 1,327,000 |
| Securities available for sale | 90,880,000 | 84,854,000 | 78,957,000 | 76,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,225,000 | 170,701,000 | 169,248,000 | 168,683,000 |
| Interest-bearing deposits | 143,279,000 | 139,353,000 | 137,852,000 | 137,747,000 |
| Noninterest-bearing deposits | 30,946,000 | 31,349,000 | 31,395,000 | 30,935,000 |
| Equity capital | 26,989,000 | 27,962,000 | 29,204,000 | 29,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,018,000 | 6,156,000 | 9,353,000 | 12,416,000 |
| Interest expense | 969,000 | 1,872,000 | 2,766,000 | 3,583,000 |
| Net interest income | 2,049,000 | 4,284,000 | 6,587,000 | 8,833,000 |
| Noninterest income | 447,000 | 851,000 | 1,494,000 | 2,900,000 |
| Noninterest expense | 1,533,000 | 3,335,000 | 5,026,000 | 7,456,000 |
| Provision for loan losses | 30,000 | 216,000 | 291,000 | 396,000 |
| Pretax income | 1,088,000 | 1,755,000 | 3,149,000 | 4,299,000 |
| Income tax | 200,000 | 545,000 | 1,036,000 | 1,394,000 |
| Net income | 888,000 | 1,210,000 | 2,113,000 | 2,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,756,000 | 27,044,000 | 27,950,000 | 28,677,000 |
| Total capital | 27,812,000 | 28,215,000 | 29,193,000 | 30,004,000 |
| Risk-weighted assets | 117,730,000 | 123,133,000 | 128,130,000 | 128,776,000 |