Call reports 2014
AUDUBON SAVINGS BANK — 2014
What AUDUBON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 187,697,000 | 186,726,000 | 183,015,000 | 182,586,000 |
| Total loans | 118,394,000 | 116,283,000 | 114,740,000 | 113,872,000 |
| Allowance for loan losses | 1,040,000 | 964,000 | 964,000 | 947,000 |
| Securities available for sale | 41,576,000 | 42,731,000 | 45,901,000 | 42,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,250,000 | 118,954,000 | 114,503,000 | 114,381,000 |
| Interest-bearing deposits | 107,972,000 | 105,867,000 | 104,068,000 | 103,980,000 |
| Noninterest-bearing deposits | 12,278,000 | 13,087,000 | 10,435,000 | 10,401,000 |
| Equity capital | 10,949,000 | 11,298,000 | 11,291,000 | 11,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,781,000 | 3,526,000 | 5,240,000 | 6,904,000 |
| Interest expense | 626,000 | 1,226,000 | 1,821,000 | 2,413,000 |
| Net interest income | 1,155,000 | 2,300,000 | 3,419,000 | 4,491,000 |
| Noninterest income | 132,000 | 246,000 | 400,000 | 532,000 |
| Noninterest expense | 2,250,000 | 3,563,000 | 4,759,000 | 5,893,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -483,000 | -509,000 | -431,000 | -299,000 |
| Income tax | -209,000 | -236,000 | -221,000 | -171,000 |
| Net income | -274,000 | -273,000 | -210,000 | -128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,363,000 | 11,391,000 | 11,307,000 | 11,435,000 |
| Total capital | 12,403,000 | 12,355,000 | 12,271,000 | 12,382,000 |
| Risk-weighted assets | 121,229,000 | 119,015,000 | 117,111,000 | 115,370,000 |
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