Call reports 2015
AUDUBON SAVINGS BANK — 2015
What AUDUBON SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 185,544,000 | 185,577,000 | 183,925,000 | 187,610,000 |
| Total loans | 114,820,000 | 116,184,000 | 115,428,000 | 113,218,000 |
| Allowance for loan losses | 824,000 | 783,000 | 783,000 | 780,000 |
| Securities available for sale | 44,532,000 | 47,327,000 | 45,656,000 | 51,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,986,000 | 113,043,000 | 115,525,000 | 119,677,000 |
| Interest-bearing deposits | 106,168,000 | 101,018,000 | 103,876,000 | 108,651,000 |
| Noninterest-bearing deposits | 10,818,000 | 12,025,000 | 11,649,000 | 11,026,000 |
| Equity capital | 12,113,000 | 11,381,000 | 11,767,000 | 11,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,271,000 | 4,874,000 | 6,506,000 |
| Interest expense | 576,000 | 1,155,000 | 1,740,000 | 2,325,000 |
| Net interest income | 1,053,000 | 2,116,000 | 3,134,000 | 4,181,000 |
| Noninterest income | 129,000 | 255,000 | 284,000 | 414,000 |
| Noninterest expense | 1,200,000 | 2,394,000 | 3,516,000 | 4,633,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 27,000 | 22,000 | 12,000 | 192,000 |
| Income tax | -6,000 | 343,000 | 315,000 | 373,000 |
| Net income | 33,000 | -321,000 | -303,000 | -181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,950,000 | 11,793,000 | 11,794,000 | 11,806,000 |
| Total capital | 12,774,000 | 12,576,000 | 12,577,000 | 12,586,000 |
| Risk-weighted assets | 118,290,000 | 119,830,000 | 116,643,000 | 113,824,000 |