Call reports 2016
AUDUBON STATE BANK — 2016
What AUDUBON STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 112,856,000 | 106,204,000 | 106,830,000 | 110,981,000 |
| Total loans | 83,795,000 | 78,738,000 | 80,673,000 | 85,504,000 |
| Allowance for loan losses | 1,338,000 | 1,360,000 | 1,391,000 | 1,413,000 |
| Securities available for sale | 9,529,000 | 12,087,000 | 11,134,000 | 12,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,007,000 | 90,932,000 | 91,642,000 | 95,850,000 |
| Interest-bearing deposits | 84,015,000 | 79,437,000 | 78,729,000 | 83,034,000 |
| Noninterest-bearing deposits | 13,992,000 | 11,495,000 | 12,913,000 | 12,816,000 |
| Equity capital | 10,414,000 | 10,651,000 | 10,813,000 | 10,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,037,000 | 3,030,000 | 4,047,000 |
| Interest expense | 88,000 | 177,000 | 266,000 | 360,000 |
| Net interest income | 935,000 | 1,860,000 | 2,764,000 | 3,687,000 |
| Noninterest income | 391,000 | 731,000 | 1,112,000 | 1,537,000 |
| Noninterest expense | 817,000 | 1,566,000 | 2,369,000 | 3,190,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 479,000 | 965,000 | 1,417,000 | 1,924,000 |
| Income tax | 23,000 | 46,000 | 67,000 | 89,000 |
| Net income | 456,000 | 919,000 | 1,350,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,895,000 | 10,124,000 | 10,320,000 | 10,572,000 |
| Total capital | 10,943,000 | 11,107,000 | 11,329,000 | 11,637,000 |
| Risk-weighted assets | 83,629,000 | 78,320,000 | 80,362,000 | 84,872,000 |