Call reports 2004
FIRSTBANK OF AVON — 2004
What FIRSTBANK OF AVON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 294,092,000 | 296,528,000 | 340,255,000 | 298,477,000 |
| Total loans | 133,166,000 | 140,650,000 | 142,215,000 | 140,570,000 |
| Allowance for loan losses | 1,520,000 | 1,299,000 | 1,301,000 | 1,238,000 |
| Securities available for sale | 108,954,000 | 108,787,000 | 119,425,000 | 105,396,000 |
| Securities held to maturity | 29,884,000 | 28,678,000 | 31,384,000 | 31,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,838,000 | 275,037,000 | 280,344,000 | 266,737,000 |
| Interest-bearing deposits | 189,265,000 | 183,779,000 | 179,642,000 | 172,022,000 |
| Noninterest-bearing deposits | 78,572,000 | 91,258,000 | 100,701,000 | 94,714,000 |
| Equity capital | 21,017,000 | 19,551,000 | 21,798,000 | 21,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,484,000 | 7,114,000 | 10,950,000 | 14,877,000 |
| Interest expense | 633,000 | 1,294,000 | 2,015,000 | 2,821,000 |
| Net interest income | 2,851,000 | 5,820,000 | 8,935,000 | 12,056,000 |
| Noninterest income | 714,000 | 1,451,000 | 2,110,000 | 2,769,000 |
| Noninterest expense | 1,731,000 | 3,546,000 | 5,292,000 | 7,177,000 |
| Provision for loan losses | 7,000 | -197,000 | -184,000 | -226,000 |
| Pretax income | 1,827,000 | 3,922,000 | 5,937,000 | 7,935,000 |
| Income tax | 497,000 | 1,114,000 | 1,678,000 | 2,232,000 |
| Net income | 1,330,000 | 2,808,000 | 4,259,000 | 5,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,959,000 | 19,237,000 | 19,886,000 | 19,332,000 |
| Total capital | 20,479,000 | 20,536,000 | 21,187,000 | 20,570,000 |
| Risk-weighted assets | 138,399,000 | 141,419,000 | 149,591,000 | 139,304,000 |