Call reports 2002
CENTRAL BANK OF AUDRAIN COUNTY — 2002
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 118,264,000 | 114,239,000 | 112,334,000 | 116,313,000 |
| Total loans | 80,194,000 | 80,322,000 | 80,971,000 | 82,047,000 |
| Allowance for loan losses | 1,527,000 | 1,540,000 | 1,531,000 | 1,513,000 |
| Securities available for sale | 25,988,000 | 25,296,000 | 23,958,000 | 23,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,543,000 | 98,893,000 | 96,538,000 | 102,208,000 |
| Interest-bearing deposits | 88,927,000 | 84,600,000 | 80,993,000 | 85,868,000 |
| Noninterest-bearing deposits | 14,616,000 | 14,293,000 | 15,545,000 | 16,340,000 |
| Equity capital | 9,415,000 | 9,428,000 | 9,478,000 | 9,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,778,000 | 3,485,000 | 5,137,000 | 6,709,000 |
| Interest expense | 587,000 | 1,092,000 | 1,548,000 | 1,968,000 |
| Net interest income | 1,191,000 | 2,393,000 | 3,589,000 | 4,741,000 |
| Noninterest income | 257,000 | 555,000 | 879,000 | 1,322,000 |
| Noninterest expense | 688,000 | 1,376,000 | 2,078,000 | 2,851,000 |
| Provision for loan losses | 33,000 | 67,000 | 105,000 | 141,000 |
| Pretax income | 727,000 | 1,505,000 | 2,285,000 | 3,071,000 |
| Income tax | 270,000 | 559,000 | 851,000 | 1,110,000 |
| Net income | 457,000 | 946,000 | 1,434,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,610,000 | 8,499,000 | 8,487,000 | 8,514,000 |
| Total capital | 9,532,000 | 9,397,000 | 9,390,000 | 9,444,000 |
| Risk-weighted assets | 73,128,000 | 71,225,000 | 71,581,000 | 73,803,000 |