Call reports 2016
AUDUBON SAVINGS BANK — 2016
What AUDUBON SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 184,387,000 | 176,495,000 | 164,972,000 | 167,834,000 |
| Total loans | 109,958,000 | 103,167,000 | 102,658,000 | 99,559,000 |
| Allowance for loan losses | 780,000 | 780,000 | 780,000 | 780,000 |
| Securities available for sale | 51,310,000 | 54,237,000 | 37,477,000 | 47,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,678,000 | 115,710,000 | 120,851,000 | 124,647,000 |
| Interest-bearing deposits | 107,781,000 | 105,064,000 | 109,743,000 | 112,350,000 |
| Noninterest-bearing deposits | 10,897,000 | 10,646,000 | 11,108,000 | 12,297,000 |
| Equity capital | 12,197,000 | 12,000,000 | 11,652,000 | 10,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,698,000 | 3,271,000 | 4,693,000 | 6,078,000 |
| Interest expense | 575,000 | 1,105,000 | 1,532,000 | 1,923,000 |
| Net interest income | 1,123,000 | 2,166,000 | 3,161,000 | 4,155,000 |
| Noninterest income | 146,000 | 285,000 | 395,000 | 523,000 |
| Noninterest expense | 1,225,000 | 2,534,000 | 4,100,000 | 5,181,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | -67,000 | -125,000 | -83,000 |
| Income tax | -1,000 | 376,000 | 334,000 | 332,000 |
| Net income | 43,000 | -443,000 | -459,000 | -415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,881,000 | 11,490,000 | 11,474,000 | 11,518,000 |
| Total capital | 12,661,000 | 12,270,000 | 12,254,000 | 12,298,000 |
| Risk-weighted assets | 109,303,000 | 102,498,000 | 96,879,000 | 96,459,000 |
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