Call reports 2003
CENTRAL BANK OF AUDRAIN COUNTY — 2003
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 115,254,000 | 119,791,000 | 113,371,000 | 113,929,000 |
| Total loans | 81,721,000 | 78,551,000 | 79,362,000 | 82,414,000 |
| Allowance for loan losses | 1,549,000 | 1,559,000 | 1,587,000 | 1,522,000 |
| Securities available for sale | 18,805,000 | 23,055,000 | 20,094,000 | 17,178,000 |
| Securities held to maturity | 0 | 251,000 | 396,000 | 396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,928,000 | 100,948,000 | 96,144,000 | 97,588,000 |
| Interest-bearing deposits | 81,057,000 | 82,860,000 | 79,628,000 | 78,561,000 |
| Noninterest-bearing deposits | 17,871,000 | 18,088,000 | 16,516,000 | 19,027,000 |
| Equity capital | 9,482,000 | 9,494,000 | 9,487,000 | 9,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,509,000 | 2,956,000 | 4,365,000 | 5,724,000 |
| Interest expense | 383,000 | 765,000 | 1,097,000 | 1,400,000 |
| Net interest income | 1,126,000 | 2,191,000 | 3,268,000 | 4,324,000 |
| Noninterest income | 371,000 | 770,000 | 1,254,000 | 1,648,000 |
| Noninterest expense | 769,000 | 1,521,000 | 2,266,000 | 2,989,000 |
| Provision for loan losses | 32,000 | 69,000 | 95,000 | 118,000 |
| Pretax income | 696,000 | 1,371,000 | 2,161,000 | 2,865,000 |
| Income tax | 247,000 | 497,000 | 791,000 | 972,000 |
| Net income | 449,000 | 874,000 | 1,370,000 | 1,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,513,000 | 8,499,000 | 8,585,000 | 8,532,000 |
| Total capital | 9,440,000 | 9,414,000 | 9,498,000 | 9,465,000 |
| Risk-weighted assets | 73,504,000 | 72,524,000 | 72,353,000 | 74,018,000 |