Call reports 2022
AUDUBON STATE BANK — 2022
What AUDUBON STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 147,189,000 | 143,863,000 | 139,962,000 | 144,046,000 |
| Total loans | 91,764,000 | 93,866,000 | 100,852,000 | 108,859,000 |
| Allowance for loan losses | 1,003,000 | 1,013,000 | 1,038,000 | 1,064,000 |
| Securities available for sale | 24,488,000 | 23,666,000 | 23,243,000 | 21,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,652,000 | 124,868,000 | 122,287,000 | 122,711,000 |
| Interest-bearing deposits | 107,674,000 | 105,949,000 | 104,317,000 | 103,416,000 |
| Noninterest-bearing deposits | 19,978,000 | 18,919,000 | 17,970,000 | 19,295,000 |
| Equity capital | 14,533,000 | 14,106,000 | 12,893,000 | 13,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,114,000 | 3,347,000 | 4,712,000 |
| Interest expense | 54,000 | 115,000 | 192,000 | 332,000 |
| Net interest income | 982,000 | 1,999,000 | 3,155,000 | 4,380,000 |
| Noninterest income | 96,000 | 161,000 | 335,000 | 395,000 |
| Noninterest expense | 569,000 | 1,179,000 | 1,767,000 | 2,370,000 |
| Provision for loan losses | 0 | 10,000 | 35,000 | 65,000 |
| Pretax income | 509,000 | 971,000 | 1,688,000 | 2,340,000 |
| Income tax | 25,000 | 48,000 | 84,000 | 73,000 |
| Net income | 484,000 | 923,000 | 1,604,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,710,000 | 12,548,000 | 11,704,000 | 12,278,000 |
| Total capital | 13,713,000 | 13,561,000 | 12,742,000 | 13,342,000 |
| Risk-weighted assets | 88,244,000 | 88,802,000 | 94,087,000 | 102,489,000 |