Call reports 2014
AVB BANK — 2014
What AVB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 268,419,000 | 265,516,000 | 265,286,000 | 275,896,000 |
| Total loans | 183,085,000 | 182,981,000 | 188,301,000 | 194,531,000 |
| Allowance for loan losses | 3,168,000 | 3,246,000 | 4,720,000 | 4,073,000 |
| Securities available for sale | 61,308,000 | 57,794,000 | 53,789,000 | 51,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,493,000 | 210,459,000 | 223,738,000 | 234,746,000 |
| Interest-bearing deposits | 172,427,000 | 165,031,000 | 175,445,000 | 185,017,000 |
| Noninterest-bearing deposits | 44,066,000 | 45,428,000 | 48,293,000 | 49,729,000 |
| Equity capital | 36,743,000 | 37,160,000 | 37,571,000 | 37,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 5,212,000 | 7,807,000 | 10,497,000 |
| Interest expense | 167,000 | 346,000 | 527,000 | 706,000 |
| Net interest income | 2,395,000 | 4,866,000 | 7,280,000 | 9,791,000 |
| Noninterest income | 432,000 | 925,000 | 1,495,000 | 2,078,000 |
| Noninterest expense | 2,286,000 | 4,756,000 | 6,997,000 | 10,533,000 |
| Provision for loan losses | 325,000 | 525,000 | 665,000 | -235,000 |
| Pretax income | 216,000 | 535,000 | 1,139,000 | 1,597,000 |
| Income tax | 27,000 | 103,000 | 254,000 | 367,000 |
| Net income | 189,000 | 432,000 | 885,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,541,000 | 35,925,000 | 36,228,000 | 36,482,000 |
| Total capital | 38,114,000 | 38,515,000 | 36,228,000 | 39,172,000 |
| Risk-weighted assets | 205,601,000 | 206,508,000 | 205,066,000 | 213,778,000 |