Call reports 2021
AUDUBON STATE BANK — 2021
What AUDUBON STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 143,419,000 | 135,440,000 | 141,177,000 | 145,409,000 |
| Total loans | 97,322,000 | 95,665,000 | 91,603,000 | 108,230,000 |
| Allowance for loan losses | 945,000 | 962,000 | 960,000 | 1,012,000 |
| Securities available for sale | 11,890,000 | 17,081,000 | 20,701,000 | 18,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,110,000 | 115,301,000 | 121,012,000 | 124,900,000 |
| Interest-bearing deposits | 107,975,000 | 100,456,000 | 102,179,000 | 106,545,000 |
| Noninterest-bearing deposits | 15,135,000 | 14,845,000 | 18,833,000 | 18,355,000 |
| Equity capital | 15,430,000 | 15,277,000 | 14,947,000 | 14,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,613,000 | 3,627,000 | 4,703,000 |
| Interest expense | 71,000 | 140,000 | 206,000 | 264,000 |
| Net interest income | 1,380,000 | 2,473,000 | 3,421,000 | 4,439,000 |
| Noninterest income | 76,000 | 131,000 | 190,000 | 253,000 |
| Noninterest expense | 605,000 | 1,180,000 | 1,789,000 | 2,518,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 72,000 |
| Pretax income | 851,000 | 1,404,000 | 1,802,000 | 2,102,000 |
| Income tax | 42,000 | 70,000 | 90,000 | 105,000 |
| Net income | 809,000 | 1,334,000 | 1,712,000 | 1,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,512,000 | 12,420,000 | 12,157,000 | 12,380,000 |
| Total capital | 13,457,000 | 13,382,000 | 13,117,000 | 13,392,000 |
| Risk-weighted assets | 92,121,000 | 87,366,000 | 85,937,000 | 102,550,000 |