Call reports 2012
AUDUBON SAVINGS BANK — 2012
What AUDUBON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 196,832,000 | 191,485,000 | 190,497,000 | 192,432,000 |
| Total loans | 121,987,000 | 117,077,000 | 116,779,000 | 123,096,000 |
| Allowance for loan losses | 517,000 | 922,000 | 948,000 | 1,012,000 |
| Securities available for sale | 24,784,000 | 23,213,000 | 20,863,000 | 25,430,000 |
| Securities held to maturity | 20,059,000 | 18,878,000 | 17,594,000 | 13,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,582,000 | 114,036,000 | 112,852,000 | 114,312,000 |
| Interest-bearing deposits | 111,443,000 | 104,856,000 | 103,721,000 | 105,110,000 |
| Noninterest-bearing deposits | 8,139,000 | 9,180,000 | 9,131,000 | 9,202,000 |
| Equity capital | 12,494,000 | 12,712,000 | 12,805,000 | 12,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,146,000 | 4,280,000 | 6,241,000 | 8,091,000 |
| Interest expense | 839,000 | 1,620,000 | 2,379,000 | 3,146,000 |
| Net interest income | 1,307,000 | 2,660,000 | 3,862,000 | 4,945,000 |
| Noninterest income | 101,000 | 290,000 | 383,000 | 552,000 |
| Noninterest expense | 1,355,000 | 2,360,000 | 3,540,000 | 4,884,000 |
| Provision for loan losses | 112,000 | 517,000 | 749,000 | 813,000 |
| Pretax income | -59,000 | 73,000 | -4,000 | -160,000 |
| Income tax | -39,000 | -2,000 | -49,000 | -133,000 |
| Net income | -20,000 | 75,000 | 45,000 | -27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,489,000 | 12,584,000 | 12,554,000 | 12,482,000 |
| Total capital | 13,006,000 | 13,506,000 | 13,502,000 | 13,494,000 |
| Risk-weighted assets | 124,550,000 | 121,639,000 | 116,939,000 | 125,022,000 |
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