Call reports 2017
AUDUBON STATE BANK — 2017
What AUDUBON STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 106,922,000 | 105,953,000 | 111,678,000 | 114,186,000 |
| Total loans | 80,593,000 | 79,959,000 | 83,110,000 | 87,621,000 |
| Allowance for loan losses | 1,413,000 | 136,000 | 240,000 | 342,000 |
| Securities available for sale | 12,031,000 | 11,533,000 | 11,032,000 | 10,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,537,000 | 91,221,000 | 96,533,000 | 96,560,000 |
| Interest-bearing deposits | 82,956,000 | 79,971,000 | 80,848,000 | 84,002,000 |
| Noninterest-bearing deposits | 10,581,000 | 11,250,000 | 15,685,000 | 12,558,000 |
| Equity capital | 11,297,000 | 12,627,000 | 13,031,000 | 13,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 1,140,000 | 2,284,000 | 3,510,000 |
| Interest expense | 96,000 | 109,000 | 225,000 | 357,000 |
| Net interest income | 928,000 | 1,031,000 | 2,059,000 | 3,153,000 |
| Noninterest income | 392,000 | 52,000 | 108,000 | 165,000 |
| Noninterest expense | 954,000 | 505,000 | 1,047,000 | 1,604,000 |
| Provision for loan losses | 0 | 136,000 | 254,000 | 360,000 |
| Pretax income | 366,000 | 442,000 | 866,000 | 1,354,000 |
| Income tax | 17,000 | 22,000 | 42,000 | 59,000 |
| Net income | 349,000 | 420,000 | 824,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,893,000 | 9,504,000 | 9,928,000 | 10,419,000 |
| Total capital | 11,896,000 | 9,640,000 | 10,168,000 | 10,761,000 |
| Risk-weighted assets | 79,890,000 | 79,152,000 | 83,326,000 | 86,407,000 |