Call reports 2015
AUDUBON STATE BANK — 2015
What AUDUBON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,045,000 | 107,211,000 | 108,076,000 | 113,848,000 |
| Total loans | 83,028,000 | 82,258,000 | 83,917,000 | 84,100,000 |
| Allowance for loan losses | 1,341,000 | 1,319,000 | 1,323,000 | 1,308,000 |
| Securities available for sale | 12,584,000 | 12,559,000 | 11,567,000 | 9,996,000 |
| Securities held to maturity | 8,000 | 8,000 | 8,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,969,000 | 93,154,000 | 93,619,000 | 99,014,000 |
| Interest-bearing deposits | 81,413,000 | 80,225,000 | 79,618,000 | 83,190,000 |
| Noninterest-bearing deposits | 13,556,000 | 12,929,000 | 14,001,000 | 15,824,000 |
| Equity capital | 9,560,000 | 9,765,000 | 10,003,000 | 10,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,017,000 | 2,044,000 | 3,057,000 | 4,095,000 |
| Interest expense | 84,000 | 168,000 | 254,000 | 340,000 |
| Net interest income | 933,000 | 1,876,000 | 2,803,000 | 3,755,000 |
| Noninterest income | 360,000 | 719,000 | 1,097,000 | 1,523,000 |
| Noninterest expense | 764,000 | 1,540,000 | 2,320,000 | 3,157,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 529,000 | 1,055,000 | 1,581,000 | 2,122,000 |
| Income tax | 25,000 | 51,000 | 76,000 | 100,000 |
| Net income | 504,000 | 1,004,000 | 1,505,000 | 2,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,013,000 | 9,252,000 | 9,493,000 | 9,726,000 |
| Total capital | 10,054,000 | 10,282,000 | 10,541,000 | 10,789,000 |
| Risk-weighted assets | 83,017,000 | 82,156,000 | 83,642,000 | 84,848,000 |