Call reports 2020
AUDUBON STATE BANK — 2020
What AUDUBON STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 121,784,000 | 124,288,000 | 126,639,000 | 127,681,000 |
| Total loans | 92,095,000 | 97,012,000 | 93,586,000 | 95,686,000 |
| Allowance for loan losses | 883,000 | 940,000 | 940,000 | 940,000 |
| Securities available for sale | 6,135,000 | 8,624,000 | 7,610,000 | 8,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,675,000 | 108,735,000 | 111,722,000 | 112,441,000 |
| Interest-bearing deposits | 89,485,000 | 96,986,000 | 97,021,000 | 97,790,000 |
| Noninterest-bearing deposits | 17,190,000 | 11,749,000 | 14,701,000 | 14,651,000 |
| Equity capital | 14,781,000 | 15,250,000 | 14,610,000 | 14,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,651,000 | 3,776,000 | 4,849,000 |
| Interest expense | 237,000 | 378,000 | 484,000 | 571,000 |
| Net interest income | 1,047,000 | 2,273,000 | 3,292,000 | 4,278,000 |
| Noninterest income | 61,000 | 106,000 | 162,000 | 210,000 |
| Noninterest expense | 583,000 | 1,139,000 | 1,687,000 | 2,399,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 525,000 | 1,190,000 | 1,717,000 | 2,039,000 |
| Income tax | 26,000 | 60,000 | 85,000 | 101,000 |
| Net income | 499,000 | 1,130,000 | 1,632,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,678,000 | 12,189,000 | 11,592,000 | 11,843,000 |
| Total capital | 12,561,000 | 13,129,000 | 12,532,000 | 12,783,000 |
| Risk-weighted assets | 89,064,000 | 88,003,000 | 85,371,000 | 89,957,000 |