Call reports 2001
CENTRAL BANK OF AUDRAIN COUNTY — 2001
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 119,453,000 | 113,061,000 | 113,997,000 | 122,068,000 |
| Total loans | 84,877,000 | 85,157,000 | 84,204,000 | 84,832,000 |
| Allowance for loan losses | 1,560,000 | 1,596,000 | 1,583,000 | 1,520,000 |
| Securities available for sale | 21,365,000 | 19,780,000 | 16,397,000 | 21,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,236,000 | 98,363,000 | 98,975,000 | 107,821,000 |
| Interest-bearing deposits | 87,348,000 | 84,243,000 | 85,654,000 | 91,535,000 |
| Noninterest-bearing deposits | 13,888,000 | 14,120,000 | 13,321,000 | 16,286,000 |
| Equity capital | 9,314,000 | 9,387,000 | 9,303,000 | 9,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,328,000 | 4,560,000 | 6,667,000 | 8,648,000 |
| Interest expense | 1,139,000 | 2,119,000 | 2,985,000 | 3,719,000 |
| Net interest income | 1,189,000 | 2,441,000 | 3,682,000 | 4,929,000 |
| Noninterest income | 235,000 | 546,000 | 799,000 | 1,159,000 |
| Noninterest expense | 746,000 | 1,487,000 | 2,183,000 | 2,946,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 648,000 | 1,440,000 | 2,208,000 | 3,022,000 |
| Income tax | 251,000 | 558,000 | 855,000 | 1,167,000 |
| Net income | 397,000 | 882,000 | 1,353,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,364,000 | 8,476,000 | 8,374,000 | 8,453,000 |
| Total capital | 9,308,000 | 9,411,000 | 9,308,000 | 9,418,000 |
| Risk-weighted assets | 74,891,000 | 74,177,000 | 74,095,000 | 76,642,000 |