Call reports 2018
AUDUBON STATE BANK — 2018
What AUDUBON STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 114,632,000 | 110,873,000 | 110,850,000 | 113,858,000 |
| Total loans | 89,365,000 | 90,035,000 | 91,410,000 | 90,156,000 |
| Allowance for loan losses | 737,000 | 825,000 | 858,000 | 957,000 |
| Securities available for sale | 10,928,000 | 10,923,000 | 9,919,000 | 8,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,225,000 | 95,132,000 | 94,386,000 | 99,312,000 |
| Interest-bearing deposits | 88,112,000 | 85,820,000 | 84,230,000 | 86,370,000 |
| Noninterest-bearing deposits | 11,113,000 | 9,312,000 | 10,156,000 | 12,942,000 |
| Equity capital | 13,340,000 | 13,812,000 | 14,301,000 | 13,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 2,707,000 | 4,073,000 | 5,668,000 |
| Interest expense | 151,000 | 332,000 | 535,000 | 761,000 |
| Net interest income | 1,261,000 | 2,375,000 | 3,538,000 | 4,907,000 |
| Noninterest income | 63,000 | 125,000 | 199,000 | 256,000 |
| Noninterest expense | 611,000 | 1,184,000 | 1,748,000 | 2,460,000 |
| Provision for loan losses | 400,000 | 505,000 | 538,000 | 637,000 |
| Pretax income | 313,000 | 811,000 | 1,451,000 | 2,066,000 |
| Income tax | 23,000 | 48,000 | 80,000 | 111,000 |
| Net income | 290,000 | 763,000 | 1,371,000 | 1,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,228,000 | 10,726,000 | 11,240,000 | 10,591,000 |
| Total capital | 10,965,000 | 11,551,000 | 12,098,000 | 11,548,000 |
| Risk-weighted assets | 87,126,000 | 87,171,000 | 88,103,000 | 86,599,000 |