Call reports 2005
AVB BANK — 2005
What AVB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 277,904,000 | 281,118,000 | 289,731,000 | 289,200,000 |
| Total loans | 164,658,000 | 163,365,000 | 167,597,000 | 167,057,000 |
| Allowance for loan losses | 2,017,000 | 1,744,000 | 1,900,000 | 1,916,000 |
| Securities available for sale | 93,195,000 | 100,136,000 | 95,435,000 | 94,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,433,000 | 233,922,000 | 251,493,000 | 251,914,000 |
| Interest-bearing deposits | 203,001,000 | 196,874,000 | 213,567,000 | 215,124,000 |
| Noninterest-bearing deposits | 35,432,000 | 37,048,000 | 37,927,000 | 36,790,000 |
| Equity capital | 34,299,000 | 34,810,000 | 35,093,000 | 35,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,592,000 | 7,472,000 | 11,481,000 | 15,697,000 |
| Interest expense | 987,000 | 2,192,000 | 3,759,000 | 5,378,000 |
| Net interest income | 2,605,000 | 5,280,000 | 7,722,000 | 10,319,000 |
| Noninterest income | 602,000 | 1,264,000 | 1,925,000 | 2,552,000 |
| Noninterest expense | 1,955,000 | 3,860,000 | 5,762,000 | 7,799,000 |
| Provision for loan losses | 309,000 | 1,339,000 | 1,739,000 | 2,040,000 |
| Pretax income | 943,000 | 1,345,000 | 2,146,000 | 3,032,000 |
| Income tax | 306,000 | 422,000 | 629,000 | 863,000 |
| Net income | 637,000 | 923,000 | 1,517,000 | 2,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,145,000 | 35,432,000 | 35,994,000 | 37,519,000 |
| Total capital | 37,162,000 | 37,176,000 | 37,894,000 | 39,435,000 |
| Risk-weighted assets | 187,462,000 | 188,072,000 | 195,314,000 | 198,389,000 |