Call reports 2019
AUDUBON STATE BANK — 2019
What AUDUBON STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 117,911,000 | 117,047,000 | 118,992,000 | 119,100,000 |
| Total loans | 92,113,000 | 93,747,000 | 92,424,000 | 90,010,000 |
| Allowance for loan losses | 947,000 | 907,000 | 895,000 | 895,000 |
| Securities available for sale | 9,467,000 | 9,269,000 | 8,283,000 | 7,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,257,000 | 101,975,000 | 103,994,000 | 103,739,000 |
| Interest-bearing deposits | 91,075,000 | 92,095,000 | 89,089,000 | 92,936,000 |
| Noninterest-bearing deposits | 12,182,000 | 9,880,000 | 14,905,000 | 10,803,000 |
| Equity capital | 13,737,000 | 14,190,000 | 14,053,000 | 14,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,336,000 | 2,726,000 | 4,122,000 | 5,485,000 |
| Interest expense | 250,000 | 525,000 | 805,000 | 1,081,000 |
| Net interest income | 1,086,000 | 2,201,000 | 3,317,000 | 4,404,000 |
| Noninterest income | 71,000 | 123,000 | 176,000 | 228,000 |
| Noninterest expense | 593,000 | 1,175,000 | 1,766,000 | 2,477,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 564,000 | 1,149,000 | 1,727,000 | 2,155,000 |
| Income tax | 27,000 | 56,000 | 86,000 | 107,000 |
| Net income | 537,000 | 1,093,000 | 1,641,000 | 2,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,663,000 | 11,099,000 | 10,982,000 | 11,335,000 |
| Total capital | 11,610,000 | 12,006,000 | 11,877,000 | 12,230,000 |
| Risk-weighted assets | 88,804,000 | 89,401,000 | 89,600,000 | 87,503,000 |