Call reports 2005
AUDUBON STATE BANK — 2005
What AUDUBON STATE BANK 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 | 66,764,000 | 63,018,000 | 64,198,000 | 66,660,000 |
| Total loans | 46,649,000 | 44,818,000 | 45,399,000 | 48,116,000 |
| Allowance for loan losses | 1,020,000 | 1,032,000 | 1,047,000 | 1,064,000 |
| Securities available for sale | 11,386,000 | 10,939,000 | 12,394,000 | 12,858,000 |
| Securities held to maturity | 1,176,000 | 1,100,000 | 1,101,000 | 1,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,248,000 | 57,379,000 | 58,419,000 | 60,851,000 |
| Interest-bearing deposits | 54,918,000 | 51,459,000 | 52,426,000 | 53,305,000 |
| Noninterest-bearing deposits | 6,330,000 | 5,920,000 | 5,993,000 | 7,546,000 |
| Equity capital | 5,153,000 | 5,266,000 | 5,383,000 | 5,373,000 |
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 | 812,000 | 1,654,000 | 2,495,000 | 3,400,000 |
| Interest expense | 211,000 | 459,000 | 715,000 | 999,000 |
| Net interest income | 601,000 | 1,195,000 | 1,780,000 | 2,401,000 |
| Noninterest income | 434,000 | 819,000 | 1,212,000 | 1,564,000 |
| Noninterest expense | 646,000 | 1,300,000 | 1,915,000 | 2,589,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 374,000 | 684,000 | 1,032,000 | 1,316,000 |
| Income tax | 15,000 | 31,000 | 47,000 | 64,000 |
| Net income | 359,000 | 653,000 | 985,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,933,000 | 5,001,000 | 5,145,000 | 5,144,000 |
| Total capital | 5,589,000 | 5,625,000 | 5,745,000 | 5,813,000 |
| Risk-weighted assets | 52,118,000 | 49,539,000 | 49,540,000 | 53,159,000 |
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