Call reports 2010
AUDUBON SAVINGS BANK — 2010
What AUDUBON SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 211,164,000 | 217,318,000 | 215,313,000 | 214,327,000 |
| Total loans | 113,292,000 | 120,150,000 | 122,453,000 | 128,602,000 |
| Allowance for loan losses | 471,000 | 489,000 | 507,000 | 650,000 |
| Securities available for sale | 5,467,000 | 5,407,000 | 13,350,000 | 13,057,000 |
| Securities held to maturity | 64,288,000 | 53,940,000 | 44,475,000 | 51,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,125,000 | 139,708,000 | 137,899,000 | 137,180,000 |
| Interest-bearing deposits | 127,974,000 | 132,226,000 | 131,310,000 | 130,174,000 |
| Noninterest-bearing deposits | 6,151,000 | 7,482,000 | 6,589,000 | 7,006,000 |
| Equity capital | 12,177,000 | 12,269,000 | 12,333,000 | 12,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,500,000 | 5,002,000 | 7,436,000 | 9,908,000 |
| Interest expense | 1,279,000 | 2,527,000 | 3,696,000 | 4,810,000 |
| Net interest income | 1,221,000 | 2,475,000 | 3,740,000 | 5,098,000 |
| Noninterest income | 71,000 | 150,000 | 237,000 | 321,000 |
| Noninterest expense | 1,208,000 | 2,454,000 | 3,707,000 | 4,877,000 |
| Provision for loan losses | 9,000 | 27,000 | 45,000 | 188,000 |
| Pretax income | 75,000 | 144,000 | 225,000 | 354,000 |
| Income tax | 15,000 | 28,000 | 45,000 | 81,000 |
| Net income | 60,000 | 116,000 | 180,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,148,000 | 12,205,000 | 12,268,000 | 12,361,000 |
| Total capital | 12,619,000 | 12,694,000 | 12,775,000 | 13,011,000 |
| Risk-weighted assets | 123,755,000 | 131,461,000 | 135,603,000 | 132,872,000 |
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