Call reports 2009
AUDUBON STATE BANK — 2009
What AUDUBON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 80,457,000 | 80,895,000 | 79,033,000 | 80,610,000 |
| Total loans | 55,696,000 | 56,368,000 | 57,184,000 | 59,518,000 |
| Allowance for loan losses | 1,001,000 | 1,029,000 | 1,060,000 | 1,082,000 |
| Securities available for sale | 11,724,000 | 14,082,000 | 13,864,000 | 13,852,000 |
| Securities held to maturity | 376,000 | 191,000 | 191,000 | 187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,508,000 | 71,012,000 | 69,156,000 | 70,739,000 |
| Interest-bearing deposits | 63,920,000 | 64,465,000 | 62,543,000 | 64,353,000 |
| Noninterest-bearing deposits | 6,588,000 | 6,547,000 | 6,613,000 | 6,386,000 |
| Equity capital | 6,912,000 | 6,900,000 | 6,964,000 | 6,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 992,000 | 1,896,000 | 2,844,000 | 3,777,000 |
| Interest expense | 304,000 | 582,000 | 851,000 | 1,106,000 |
| Net interest income | 688,000 | 1,314,000 | 1,993,000 | 2,671,000 |
| Noninterest income | 352,000 | 642,000 | 982,000 | 1,292,000 |
| Noninterest expense | 681,000 | 1,320,000 | 2,052,000 | 2,748,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 329,000 | 576,000 | 833,000 | 1,095,000 |
| Income tax | 17,000 | 29,000 | 44,000 | 54,000 |
| Net income | 312,000 | 547,000 | 789,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,646,000 | 5,683,000 | 5,727,000 | 5,791,000 |
| Total capital | 6,402,000 | 6,449,000 | 6,492,000 | 6,584,000 |
| Risk-weighted assets | 60,195,000 | 61,018,000 | 60,939,000 | 63,181,000 |
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