Call reports 2014
AUDUBON STATE BANK — 2014
What AUDUBON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 105,598,000 | 101,011,000 | 102,181,000 | 112,718,000 |
| Total loans | 68,965,000 | 68,736,000 | 74,949,000 | 84,216,000 |
| Allowance for loan losses | 1,313,000 | 1,313,000 | 1,314,000 | 1,314,000 |
| Securities available for sale | 11,930,000 | 16,383,000 | 16,349,000 | 14,020,000 |
| Securities held to maturity | 36,000 | 36,000 | 36,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,487,000 | 89,757,000 | 90,806,000 | 96,954,000 |
| Interest-bearing deposits | 81,926,000 | 77,019,000 | 76,014,000 | 77,720,000 |
| Noninterest-bearing deposits | 12,561,000 | 12,738,000 | 14,792,000 | 19,234,000 |
| Equity capital | 8,905,000 | 9,018,000 | 9,148,000 | 9,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 918,000 | 1,851,000 | 2,824,000 | 3,848,000 |
| Interest expense | 87,000 | 169,000 | 254,000 | 340,000 |
| Net interest income | 831,000 | 1,682,000 | 2,570,000 | 3,508,000 |
| Noninterest income | 317,000 | 670,000 | 1,010,000 | 1,400,000 |
| Noninterest expense | 725,000 | 1,492,000 | 2,239,000 | 3,072,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 423,000 | 862,000 | 1,343,000 | 1,838,000 |
| Income tax | 14,000 | 44,000 | 68,000 | 91,000 |
| Net income | 409,000 | 818,000 | 1,275,000 | 1,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,194,000 | 8,321,000 | 8,496,000 | 8,686,000 |
| Total capital | 9,113,000 | 9,216,000 | 9,448,000 | 9,751,000 |
| Risk-weighted assets | 73,151,000 | 71,202,000 | 75,801,000 | 84,968,000 |