Call reports 2005
FIRSTBANK OF AVON — 2005
What FIRSTBANK OF AVON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 303,806,000 | 301,565,000 | 317,427,000 | 334,650,000 |
| Total loans | 140,398,000 | 150,516,000 | 143,637,000 | 144,516,000 |
| Allowance for loan losses | 1,201,000 | 1,288,000 | 1,313,000 | 1,307,000 |
| Securities available for sale | 101,269,000 | 101,511,000 | 96,366,000 | 94,158,000 |
| Securities held to maturity | 32,053,000 | 32,934,000 | 34,274,000 | 45,907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,071,000 | 266,436,000 | 293,577,000 | 311,337,000 |
| Interest-bearing deposits | 184,743,000 | 170,437,000 | 177,569,000 | 194,615,000 |
| Noninterest-bearing deposits | 95,328,000 | 95,999,000 | 116,008,000 | 116,722,000 |
| Equity capital | 20,799,000 | 21,689,000 | 21,250,000 | 20,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,810,000 | 7,800,000 | 11,885,000 | 16,206,000 |
| Interest expense | 815,000 | 1,721,000 | 2,781,000 | 4,068,000 |
| Net interest income | 2,995,000 | 6,079,000 | 9,104,000 | 12,138,000 |
| Noninterest income | 668,000 | 1,356,000 | 2,034,000 | 2,731,000 |
| Noninterest expense | 1,816,000 | 3,605,000 | 5,392,000 | 7,155,000 |
| Provision for loan losses | -20,000 | 104,000 | 135,000 | 135,000 |
| Pretax income | 1,867,000 | 3,726,000 | 5,611,000 | 7,579,000 |
| Income tax | 501,000 | 1,003,000 | 1,515,000 | 2,055,000 |
| Net income | 1,366,000 | 2,723,000 | 4,096,000 | 5,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,698,000 | 19,856,000 | 20,030,000 | 20,156,000 |
| Total capital | 20,899,000 | 21,144,000 | 21,343,000 | 21,463,000 |
| Risk-weighted assets | 140,638,000 | 145,821,000 | 146,134,000 | 148,109,000 |