Call reports 2015
AVB BANK — 2015
What AVB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 282,303,000 | 282,373,000 | 276,902,000 | 289,259,000 |
| Total loans | 192,905,000 | 194,159,000 | 196,008,000 | 195,352,000 |
| Allowance for loan losses | 4,236,000 | 4,282,000 | 3,828,000 | 3,820,000 |
| Securities available for sale | 49,177,000 | 46,482,000 | 41,461,000 | 39,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,862,000 | 241,797,000 | 235,750,000 | 247,923,000 |
| Interest-bearing deposits | 191,918,000 | 194,452,000 | 189,074,000 | 198,568,000 |
| Noninterest-bearing deposits | 49,944,000 | 47,345,000 | 46,676,000 | 49,355,000 |
| Equity capital | 37,461,000 | 37,644,000 | 38,164,000 | 38,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,644,000 | 5,275,000 | 8,025,000 | 10,687,000 |
| Interest expense | 184,000 | 376,000 | 569,000 | 768,000 |
| Net interest income | 2,460,000 | 4,899,000 | 7,456,000 | 9,919,000 |
| Noninterest income | 482,000 | 998,000 | 1,546,000 | 2,019,000 |
| Noninterest expense | 2,200,000 | 4,661,000 | 6,964,000 | 9,867,000 |
| Provision for loan losses | 105,000 | 210,000 | 210,000 | -45,000 |
| Pretax income | 637,000 | 1,026,000 | 1,828,000 | 2,116,000 |
| Income tax | 167,000 | 262,000 | 471,000 | 553,000 |
| Net income | 470,000 | 764,000 | 1,357,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,985,000 | 36,221,000 | 37,001,000 | 37,387,000 |
| Total capital | 38,752,000 | 39,067,000 | 39,843,000 | 40,204,000 |
| Risk-weighted assets | 219,943,000 | 226,254,000 | 226,466,000 | 224,064,000 |