Call reports 2010
AVB BANK — 2010
What AVB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 266,889,000 | 264,622,000 | 264,373,000 | 257,289,000 |
| Total loans | 155,789,000 | 152,529,000 | 149,923,000 | 153,199,000 |
| Allowance for loan losses | 4,652,000 | 4,357,000 | 4,381,000 | 4,543,000 |
| Securities available for sale | 75,437,000 | 76,144,000 | 85,585,000 | 74,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,710,000 | 226,278,000 | 225,986,000 | 219,814,000 |
| Interest-bearing deposits | 197,008,000 | 190,384,000 | 190,111,000 | 184,140,000 |
| Noninterest-bearing deposits | 32,702,000 | 35,895,000 | 35,875,000 | 35,674,000 |
| Equity capital | 35,352,000 | 36,083,000 | 35,749,000 | 35,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,884,000 | 5,832,000 | 8,736,000 | 11,596,000 |
| Interest expense | 505,000 | 951,000 | 1,362,000 | 1,756,000 |
| Net interest income | 2,379,000 | 4,881,000 | 7,374,000 | 9,840,000 |
| Noninterest income | 1,045,000 | 1,750,000 | 2,557,000 | 3,283,000 |
| Noninterest expense | 2,415,000 | 4,833,000 | 7,565,000 | 10,078,000 |
| Provision for loan losses | 255,000 | 425,000 | 425,000 | 695,000 |
| Pretax income | 754,000 | 1,373,000 | 1,941,000 | 2,470,000 |
| Income tax | 0 | 100,000 | 150,000 | 366,000 |
| Net income | 754,000 | 1,273,000 | 1,791,000 | 2,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,998,000 | 34,517,000 | 34,035,000 | 33,837,000 |
| Total capital | 36,388,000 | 36,859,000 | 36,353,000 | 36,160,000 |
| Risk-weighted assets | 188,964,000 | 185,365,000 | 183,409,000 | 183,640,000 |