Call reports 2013
AUDUBON SAVINGS BANK — 2013
What AUDUBON SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 191,464,000 | 192,264,000 | 189,536,000 | 191,574,000 |
| Total loans | 120,958,000 | 117,687,000 | 118,889,000 | 122,491,000 |
| Allowance for loan losses | 1,037,000 | 1,037,000 | 1,056,000 | 1,134,000 |
| Securities available for sale | 27,749,000 | 34,865,000 | 37,850,000 | 36,881,000 |
| Securities held to maturity | 12,402,000 | 9,393,000 | 8,706,000 | 8,278,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,142,000 | 118,053,000 | 115,668,000 | 115,957,000 |
| Interest-bearing deposits | 104,480,000 | 106,069,000 | 105,319,000 | 106,473,000 |
| Noninterest-bearing deposits | 9,662,000 | 11,984,000 | 10,349,000 | 9,484,000 |
| Equity capital | 12,512,000 | 11,585,000 | 11,295,000 | 10,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,853,000 | 3,660,000 | 5,465,000 | 7,380,000 |
| Interest expense | 724,000 | 1,417,000 | 2,107,000 | 2,799,000 |
| Net interest income | 1,129,000 | 2,243,000 | 3,358,000 | 4,581,000 |
| Noninterest income | 164,000 | 324,000 | 426,000 | 578,000 |
| Noninterest expense | 1,372,000 | 2,559,000 | 3,815,000 | 5,496,000 |
| Provision for loan losses | 25,000 | 56,000 | 75,000 | 165,000 |
| Pretax income | -104,000 | -48,000 | -106,000 | -502,000 |
| Income tax | -52,000 | -46,000 | -86,000 | -261,000 |
| Net income | -52,000 | -2,000 | -20,000 | -241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,430,000 | 12,185,000 | 12,168,000 | 11,805,000 |
| Total capital | 13,467,000 | 13,222,000 | 13,224,000 | 12,939,000 |
| Risk-weighted assets | 124,525,000 | 122,710,000 | 124,723,000 | 126,906,000 |
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