Call reports 2007
FIRSTBANK OF AVON — 2007
What FIRSTBANK OF AVON reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 358,772,000 | 377,632,000 | 422,413,000 | 382,693,000 |
| Total loans | 164,138,000 | 175,117,000 | 188,947,000 | 193,576,000 |
| Allowance for loan losses | 1,406,000 | 1,543,000 | 1,702,000 | 1,740,000 |
| Securities available for sale | 97,046,000 | 92,862,000 | 105,099,000 | 102,087,000 |
| Securities held to maturity | 64,685,000 | 64,339,000 | 66,373,000 | 66,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,922,000 | 344,978,000 | 372,804,000 | 338,716,000 |
| Interest-bearing deposits | 247,289,000 | 264,014,000 | 284,297,000 | 259,464,000 |
| Noninterest-bearing deposits | 87,633,000 | 80,964,000 | 88,507,000 | 79,251,000 |
| Equity capital | 21,264,000 | 20,736,000 | 21,546,000 | 22,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,961,000 | 10,052,000 | 15,733,000 | 21,463,000 |
| Interest expense | 2,375,000 | 4,934,000 | 7,918,000 | 10,765,000 |
| Net interest income | 2,586,000 | 5,118,000 | 7,815,000 | 10,698,000 |
| Noninterest income | 706,000 | 1,471,000 | 2,275,000 | 3,139,000 |
| Noninterest expense | 1,975,000 | 3,901,000 | 5,868,000 | 7,851,000 |
| Provision for loan losses | -36,000 | 114,000 | 286,000 | 325,000 |
| Pretax income | 1,353,000 | 2,574,000 | 3,936,000 | 5,661,000 |
| Income tax | 319,000 | 594,000 | 920,000 | 1,398,000 |
| Net income | 1,034,000 | 1,980,000 | 3,016,000 | 4,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,539,000 | 20,686,000 | 20,921,000 | 22,168,000 |
| Total capital | 21,994,000 | 22,280,000 | 22,679,000 | 23,965,000 |
| Risk-weighted assets | 161,625,000 | 170,449,000 | 188,499,000 | 180,789,000 |