Call reports 2013
AUDUBON STATE BANK — 2013
What AUDUBON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 98,851,000 | 93,028,000 | 96,107,000 | 101,936,000 |
| Total loans | 68,896,000 | 71,403,000 | 70,699,000 | 77,105,000 |
| Allowance for loan losses | 1,313,000 | 1,313,000 | 1,313,000 | 1,313,000 |
| Securities available for sale | 12,724,000 | 11,573,000 | 10,035,000 | 8,981,000 |
| Securities held to maturity | 110,000 | 41,000 | 41,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,481,000 | 80,225,000 | 85,124,000 | 90,862,000 |
| Interest-bearing deposits | 74,591,000 | 68,728,000 | 52,466,000 | 75,927,000 |
| Noninterest-bearing deposits | 12,890,000 | 11,497,000 | 32,658,000 | 14,935,000 |
| Equity capital | 8,498,000 | 8,529,000 | 8,655,000 | 8,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 1,913,000 | 2,863,000 | 3,833,000 |
| Interest expense | 74,000 | 148,000 | 227,000 | 315,000 |
| Net interest income | 872,000 | 1,765,000 | 2,636,000 | 3,518,000 |
| Noninterest income | 331,000 | 680,000 | 983,000 | 1,399,000 |
| Noninterest expense | 735,000 | 1,512,000 | 2,234,000 | 3,021,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 468,000 | 933,000 | 1,385,000 | 1,896,000 |
| Income tax | 22,000 | 45,000 | 70,000 | 94,000 |
| Net income | 446,000 | 888,000 | 1,315,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,535,000 | 7,703,000 | 7,855,000 | 8,067,000 |
| Total capital | 8,417,000 | 8,591,000 | 8,751,000 | 9,036,000 |
| Risk-weighted assets | 70,153,000 | 70,630,000 | 71,248,000 | 77,217,000 |