Call reports 2004
AVB BANK — 2004
What AVB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 249,467,000 | 248,353,000 | 256,981,000 | 255,729,000 |
| Total loans | 143,383,000 | 143,111,000 | 149,382,000 | 151,589,000 |
| Allowance for loan losses | 1,720,000 | 1,799,000 | 1,715,000 | 1,730,000 |
| Securities available for sale | 86,767,000 | 83,140,000 | 80,277,000 | 86,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,581,000 | 211,373,000 | 218,231,000 | 216,529,000 |
| Interest-bearing deposits | 172,441,000 | 174,360,000 | 181,523,000 | 182,076,000 |
| Noninterest-bearing deposits | 36,141,000 | 37,013,000 | 36,708,000 | 34,452,000 |
| Equity capital | 32,888,000 | 32,294,000 | 33,837,000 | 34,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,162,000 | 6,313,000 | 9,622,000 | 13,093,000 |
| Interest expense | 695,000 | 1,391,000 | 2,111,000 | 2,933,000 |
| Net interest income | 2,467,000 | 4,922,000 | 7,511,000 | 10,160,000 |
| Noninterest income | 478,000 | 1,167,000 | 1,932,000 | 2,611,000 |
| Noninterest expense | 1,817,000 | 3,744,000 | 5,785,000 | 7,721,000 |
| Provision for loan losses | 180,000 | 445,000 | 560,000 | 835,000 |
| Pretax income | 948,000 | 1,945,000 | 3,237,000 | 4,387,000 |
| Income tax | 300,000 | 584,000 | 1,022,000 | 1,269,000 |
| Net income | 648,000 | 1,361,000 | 2,215,000 | 3,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,118,000 | 32,830,000 | 33,652,000 | 34,508,000 |
| Total capital | 33,838,000 | 34,629,000 | 35,367,000 | 36,238,000 |
| Risk-weighted assets | 162,763,000 | 163,222,000 | 169,966,000 | 171,695,000 |