Call reports 2013
AVB BANK — 2013
What AVB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 262,594,000 | 256,956,000 | 243,663,000 | 260,314,000 |
| Total loans | 147,818,000 | 145,191,000 | 155,175,000 | 172,673,000 |
| Allowance for loan losses | 2,987,000 | 3,057,000 | 3,099,000 | 3,157,000 |
| Securities available for sale | 76,964,000 | 70,748,000 | 65,919,000 | 63,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,948,000 | 218,909,000 | 202,894,000 | 212,149,000 |
| Interest-bearing deposits | 181,329,000 | 176,101,000 | 161,632,000 | 170,595,000 |
| Noninterest-bearing deposits | 42,619,000 | 42,808,000 | 41,262,000 | 41,553,000 |
| Equity capital | 36,872,000 | 36,094,000 | 36,201,000 | 36,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,634,000 | 6,923,000 | 9,404,000 |
| Interest expense | 182,000 | 356,000 | 527,000 | 692,000 |
| Net interest income | 2,136,000 | 4,278,000 | 6,396,000 | 8,712,000 |
| Noninterest income | 449,000 | 1,047,000 | 1,536,000 | 2,002,000 |
| Noninterest expense | 2,334,000 | 4,780,000 | 7,193,000 | 9,539,000 |
| Provision for loan losses | 90,000 | 380,000 | 410,000 | 410,000 |
| Pretax income | 161,000 | 269,000 | 433,000 | 869,000 |
| Income tax | 12,000 | 8,000 | 11,000 | 117,000 |
| Net income | 149,000 | 261,000 | 422,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,311,000 | 34,966,000 | 35,098,000 | 35,365,000 |
| Total capital | 37,566,000 | 37,176,000 | 37,367,000 | 37,846,000 |
| Risk-weighted assets | 179,652,000 | 175,937,000 | 180,724,000 | 197,764,000 |