Call reports 2023
AUDUBON STATE BANK — 2023
What AUDUBON STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 147,474,000 | 149,542,000 | 142,599,000 | 137,967,000 |
| Total loans | 94,538,000 | 100,248,000 | 107,070,000 | 110,771,000 |
| Allowance for loan losses | 1,064,000 | 1,064,000 | 1,094,000 | 1,093,000 |
| Securities available for sale | 20,625,000 | 16,543,000 | 15,559,000 | 14,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,241,000 | 129,825,000 | 121,826,000 | 114,752,000 |
| Interest-bearing deposits | 111,544,000 | 112,086,000 | 105,336,000 | 96,795,000 |
| Noninterest-bearing deposits | 16,697,000 | 17,739,000 | 16,490,000 | 17,957,000 |
| Equity capital | 14,221,000 | 14,471,000 | 14,773,000 | 15,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,413,000 | 2,934,000 | 4,558,000 | 6,254,000 |
| Interest expense | 265,000 | 644,000 | 1,079,000 | 1,574,000 |
| Net interest income | 1,148,000 | 2,290,000 | 3,479,000 | 4,680,000 |
| Noninterest income | 69,000 | 140,000 | 113,000 | 186,000 |
| Noninterest expense | 614,000 | 1,273,000 | 1,885,000 | 2,632,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 603,000 | 1,157,000 | 1,677,000 | 2,204,000 |
| Income tax | 30,000 | 59,000 | 83,000 | 54,000 |
| Net income | 573,000 | 1,098,000 | 1,594,000 | 2,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,626,000 | 12,927,000 | 13,183,000 | 13,514,000 |
| Total capital | 13,690,000 | 13,991,000 | 14,277,000 | 14,607,000 |
| Risk-weighted assets | 89,096,000 | 97,267,000 | 103,458,000 | 105,420,000 |