Call reports 2012
AUDUBON STATE BANK — 2012
What AUDUBON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,291,000 | 90,304,000 | 96,775,000 | 98,283,000 |
| Total loans | 60,492,000 | 60,070,000 | 64,955,000 | 72,544,000 |
| Allowance for loan losses | 1,117,000 | 1,138,000 | 1,312,000 | 1,315,000 |
| Securities available for sale | 15,354,000 | 17,889,000 | 13,359,000 | 12,291,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,716,000 | 79,536,000 | 85,729,000 | 87,179,000 |
| Interest-bearing deposits | 76,816,000 | 69,934,000 | 75,503,000 | 76,634,000 |
| Noninterest-bearing deposits | 9,900,000 | 9,602,000 | 10,226,000 | 10,545,000 |
| Equity capital | 8,035,000 | 8,158,000 | 8,417,000 | 8,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,825,000 | 2,762,000 | 3,736,000 |
| Interest expense | 101,000 | 192,000 | 275,000 | 358,000 |
| Net interest income | 822,000 | 1,633,000 | 2,487,000 | 3,378,000 |
| Noninterest income | 317,000 | 635,000 | 970,000 | 1,415,000 |
| Noninterest expense | 680,000 | 1,380,000 | 2,189,000 | 3,025,000 |
| Provision for loan losses | 75,000 | 95,000 | 95,000 | 95,000 |
| Pretax income | 384,000 | 793,000 | 1,173,000 | 1,673,000 |
| Income tax | 17,000 | 38,000 | 56,000 | 82,000 |
| Net income | 367,000 | 755,000 | 1,117,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,940,000 | 7,085,000 | 7,364,000 | 7,677,000 |
| Total capital | 7,759,000 | 7,870,000 | 8,218,000 | 8,604,000 |
| Risk-weighted assets | 65,222,000 | 62,451,000 | 67,912,000 | 73,696,000 |