Call reports 2019
AVB BANK — 2019
What AVB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 385,281,000 | 374,958,000 | 384,655,000 | 404,630,000 |
| Total loans | 310,383,000 | 311,751,000 | 318,417,000 | 324,110,000 |
| Allowance for loan losses | 4,671,000 | 4,978,000 | 5,285,000 | 4,947,000 |
| Securities available for sale | 34,751,000 | 33,977,000 | 32,060,000 | 40,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,438,000 | 332,798,000 | 341,154,000 | 360,589,000 |
| Interest-bearing deposits | 282,403,000 | 272,827,000 | 281,727,000 | 301,576,000 |
| Noninterest-bearing deposits | 59,035,000 | 59,971,000 | 59,427,000 | 59,013,000 |
| Equity capital | 40,882,000 | 39,382,000 | 40,218,000 | 41,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,423,000 | 8,866,000 | 13,433,000 | 18,157,000 |
| Interest expense | 688,000 | 1,413,000 | 2,116,000 | 2,855,000 |
| Net interest income | 3,735,000 | 7,453,000 | 11,317,000 | 15,302,000 |
| Noninterest income | 446,000 | 1,011,000 | 1,476,000 | 1,961,000 |
| Noninterest expense | 3,055,000 | 6,185,000 | 9,282,000 | 12,486,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,300,000 |
| Pretax income | 826,000 | 1,679,000 | 2,611,000 | 3,477,000 |
| Income tax | 184,000 | 406,000 | 648,000 | 750,000 |
| Net income | 642,000 | 1,273,000 | 1,963,000 | 2,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,171,000 | 39,203,000 | 39,926,000 | 40,853,000 |
| Total capital | 45,086,000 | 43,066,000 | 43,935,000 | 44,906,000 |
| Risk-weighted assets | 312,462,000 | 307,964,000 | 319,449,000 | 323,393,000 |