Call reports 2003
AUDUBON STATE BANK — 2003
What AUDUBON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,365,000 | 60,801,000 | 60,701,000 | 63,140,000 |
| Total loans | 40,421,000 | 41,108,000 | 40,402,000 | 41,918,000 |
| Allowance for loan losses | 901,000 | 916,000 | 931,000 | 946,000 |
| Securities available for sale | 13,602,000 | 13,612,000 | 12,465,000 | 16,250,000 |
| Securities held to maturity | 916,000 | 866,000 | 1,017,000 | 1,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,322,000 | 54,702,000 | 54,731,000 | 57,041,000 |
| Interest-bearing deposits | 50,322,000 | 50,227,000 | 49,429,000 | 51,922,000 |
| Noninterest-bearing deposits | 5,000,000 | 4,475,000 | 5,302,000 | 5,119,000 |
| Equity capital | 5,491,000 | 5,482,000 | 5,455,000 | 5,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,663,000 | 2,458,000 | 3,234,000 |
| Interest expense | 270,000 | 523,000 | 756,000 | 985,000 |
| Net interest income | 568,000 | 1,140,000 | 1,702,000 | 2,249,000 |
| Noninterest income | 485,000 | 860,000 | 1,257,000 | 1,750,000 |
| Noninterest expense | 662,000 | 1,342,000 | 1,980,000 | 2,666,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 376,000 | 628,000 | 934,000 | 1,273,000 |
| Income tax | 12,000 | 26,000 | 40,000 | 56,000 |
| Net income | 364,000 | 602,000 | 894,000 | 1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,671,000 | 4,694,000 | 4,801,000 | 4,633,000 |
| Total capital | 5,238,000 | 5,266,000 | 5,374,000 | 5,222,000 |
| Risk-weighted assets | 44,998,000 | 45,396,000 | 45,495,000 | 46,788,000 |
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