Call reports 2009
AVB BANK — 2009
What AVB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 288,894,000 | 269,506,000 | 266,693,000 | 268,649,000 |
| Total loans | 156,220,000 | 155,537,000 | 162,304,000 | 156,718,000 |
| Allowance for loan losses | 4,683,000 | 4,758,000 | 4,531,000 | 4,496,000 |
| Securities available for sale | 77,722,000 | 75,992,000 | 74,296,000 | 69,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,841,000 | 237,413,000 | 232,819,000 | 231,995,000 |
| Interest-bearing deposits | 215,459,000 | 197,699,000 | 194,015,000 | 196,136,000 |
| Noninterest-bearing deposits | 41,382,000 | 39,714,000 | 38,804,000 | 35,859,000 |
| Equity capital | 29,658,000 | 29,779,000 | 30,937,000 | 34,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,138,000 | 6,249,000 | 9,415,000 | 12,479,000 |
| Interest expense | 854,000 | 1,581,000 | 2,234,000 | 2,788,000 |
| Net interest income | 2,284,000 | 4,668,000 | 7,181,000 | 9,691,000 |
| Noninterest income | 724,000 | 1,561,000 | 2,477,000 | 3,333,000 |
| Noninterest expense | 2,490,000 | 5,139,000 | 7,704,000 | 10,474,000 |
| Provision for loan losses | 175,000 | 375,000 | 775,000 | 975,000 |
| Pretax income | 343,000 | 715,000 | 1,409,000 | 1,806,000 |
| Income tax | 0 | 0 | 0 | -3,198,000 |
| Net income | 343,000 | 715,000 | 1,409,000 | 5,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,582,000 | 28,956,000 | 29,650,000 | 33,244,000 |
| Total capital | 30,919,000 | 31,309,000 | 32,071,000 | 35,683,000 |
| Risk-weighted assets | 184,278,000 | 185,868,000 | 191,531,000 | 193,064,000 |