Call reports 2007
AVB BANK — 2007
What AVB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 294,821,000 | 304,321,000 | 301,724,000 | 295,350,000 |
| Total loans | 168,524,000 | 180,963,000 | 181,944,000 | 180,515,000 |
| Allowance for loan losses | 2,154,000 | 2,283,000 | 4,524,000 | 4,910,000 |
| Securities available for sale | 92,007,000 | 93,349,000 | 96,271,000 | 90,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,820,000 | 261,700,000 | 258,327,000 | 255,120,000 |
| Interest-bearing deposits | 210,010,000 | 219,408,000 | 215,603,000 | 210,995,000 |
| Noninterest-bearing deposits | 44,810,000 | 42,292,000 | 42,724,000 | 44,125,000 |
| Equity capital | 37,671,000 | 37,592,000 | 37,578,000 | 36,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,514,000 | 9,354,000 | 14,184,000 | 18,959,000 |
| Interest expense | 2,089,000 | 4,311,000 | 6,621,000 | 8,810,000 |
| Net interest income | 2,425,000 | 5,043,000 | 7,563,000 | 10,149,000 |
| Noninterest income | 615,000 | 1,365,000 | 2,116,000 | 2,925,000 |
| Noninterest expense | 2,093,000 | 4,191,000 | 6,366,000 | 8,574,000 |
| Provision for loan losses | 285,000 | 695,000 | 3,057,000 | 5,800,000 |
| Pretax income | 662,000 | 1,522,000 | 257,000 | -1,335,000 |
| Income tax | 146,000 | 371,000 | -216,000 | -419,000 |
| Net income | 516,000 | 1,151,000 | 473,000 | -916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,718,000 | 39,250,000 | 38,478,000 | 37,079,000 |
| Total capital | 40,872,000 | 41,533,000 | 41,214,000 | 39,767,000 |
| Risk-weighted assets | 205,063,000 | 216,306,000 | 216,358,000 | 212,493,000 |