Call reports 2012
AVB BANK — 2012
What AVB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 264,072,000 | 259,975,000 | 262,233,000 | 255,069,000 |
| Total loans | 146,713,000 | 145,432,000 | 145,481,000 | 145,794,000 |
| Allowance for loan losses | 3,791,000 | 3,933,000 | 3,553,000 | 3,876,000 |
| Securities available for sale | 88,852,000 | 85,613,000 | 80,747,000 | 81,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,970,000 | 220,195,000 | 221,318,000 | 214,370,000 |
| Interest-bearing deposits | 184,345,000 | 179,824,000 | 177,158,000 | 172,141,000 |
| Noninterest-bearing deposits | 40,625,000 | 40,370,000 | 44,160,000 | 42,229,000 |
| Equity capital | 37,063,000 | 37,515,000 | 38,320,000 | 36,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,687,000 | 5,309,000 | 7,778,000 | 10,181,000 |
| Interest expense | 220,000 | 427,000 | 619,000 | 805,000 |
| Net interest income | 2,467,000 | 4,882,000 | 7,159,000 | 9,376,000 |
| Noninterest income | 391,000 | 798,000 | 1,360,000 | 1,772,000 |
| Noninterest expense | 2,143,000 | 4,569,000 | 6,844,000 | 9,197,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 565,000 | 1,051,000 | 1,642,000 | 1,918,000 |
| Income tax | 145,000 | 264,000 | 388,000 | 436,000 |
| Net income | 420,000 | 787,000 | 1,254,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,474,000 | 35,885,000 | 36,357,000 | 35,058,000 |
| Total capital | 37,760,000 | 38,172,000 | 38,617,000 | 37,317,000 |
| Risk-weighted assets | 181,412,000 | 181,299,000 | 179,534,000 | 179,110,000 |