Call reports 2006
AVB BANK — 2006
What AVB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 290,458,000 | 287,751,000 | 292,667,000 | 288,917,000 |
| Total loans | 168,439,000 | 169,071,000 | 172,901,000 | 168,573,000 |
| Allowance for loan losses | 2,015,000 | 2,226,000 | 2,327,000 | 1,945,000 |
| Securities available for sale | 92,129,000 | 91,621,000 | 93,500,000 | 90,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,745,000 | 247,037,000 | 250,692,000 | 249,291,000 |
| Interest-bearing deposits | 213,338,000 | 207,093,000 | 210,814,000 | 208,842,000 |
| Noninterest-bearing deposits | 39,407,000 | 39,944,000 | 39,878,000 | 40,449,000 |
| Equity capital | 35,517,000 | 35,323,000 | 36,494,000 | 37,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,187,000 | 8,548,000 | 13,070,000 | 17,604,000 |
| Interest expense | 1,726,000 | 3,666,000 | 5,821,000 | 7,989,000 |
| Net interest income | 2,461,000 | 4,882,000 | 7,249,000 | 9,615,000 |
| Noninterest income | 631,000 | 1,284,000 | 1,820,000 | 2,462,000 |
| Noninterest expense | 2,061,000 | 4,147,000 | 6,203,000 | 8,356,000 |
| Provision for loan losses | 285,000 | 570,000 | 760,000 | 1,065,000 |
| Pretax income | 746,000 | 1,449,000 | 2,106,000 | 2,666,000 |
| Income tax | 185,000 | 351,000 | 545,000 | 600,000 |
| Net income | 561,000 | 1,098,000 | 1,561,000 | 2,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,158,000 | 37,631,000 | 38,096,000 | 38,537,000 |
| Total capital | 39,173,000 | 39,857,000 | 40,423,000 | 40,482,000 |
| Risk-weighted assets | 206,432,000 | 202,762,000 | 206,332,000 | 202,556,000 |