Call reports 2011
AUDUBON STATE BANK — 2011
What AUDUBON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 92,440,000 | 85,808,000 | 87,193,000 | 92,003,000 |
| Total loans | 55,005,000 | 57,329,000 | 56,249,000 | 68,248,000 |
| Allowance for loan losses | 1,159,000 | 1,189,000 | 1,223,000 | 1,042,000 |
| Securities available for sale | 19,271,000 | 20,992,000 | 18,483,000 | 14,422,000 |
| Securities held to maturity | 184,000 | 119,000 | 119,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,072,000 | 74,484,000 | 76,408,000 | 77,042,000 |
| Interest-bearing deposits | 72,471,000 | 66,470,000 | 66,985,000 | 66,415,000 |
| Noninterest-bearing deposits | 8,601,000 | 8,014,000 | 9,423,000 | 10,627,000 |
| Equity capital | 7,461,000 | 7,874,000 | 7,996,000 | 7,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,862,000 | 2,725,000 | 3,677,000 |
| Interest expense | 176,000 | 326,000 | 463,000 | 583,000 |
| Net interest income | 736,000 | 1,536,000 | 2,262,000 | 3,094,000 |
| Noninterest income | 348,000 | 700,000 | 1,087,000 | 1,411,000 |
| Noninterest expense | 725,000 | 1,389,000 | 2,093,000 | 2,830,000 |
| Provision for loan losses | 0 | 30,000 | 105,000 | 280,000 |
| Pretax income | 359,000 | 817,000 | 1,151,000 | 1,395,000 |
| Income tax | 17,000 | 37,000 | 51,000 | 63,000 |
| Net income | 342,000 | 780,000 | 1,100,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,460,000 | 6,696,000 | 6,785,000 | 6,813,000 |
| Total capital | 7,228,000 | 7,464,000 | 7,532,000 | 7,697,000 |
| Risk-weighted assets | 61,075,000 | 61,049,000 | 59,624,000 | 70,580,000 |