Call reports 2004
CENTRAL BANK OF AUDRAIN COUNTY — 2004
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 113,010,000 | 112,287,000 | 112,120,000 | 111,600,000 |
| Total loans | 82,954,000 | 83,907,000 | 86,877,000 | 86,249,000 |
| Allowance for loan losses | 1,559,000 | 1,559,000 | 1,572,000 | 1,524,000 |
| Securities available for sale | 17,882,000 | 19,482,000 | 19,003,000 | 18,434,000 |
| Securities held to maturity | 396,000 | 395,000 | 395,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,337,000 | 94,435,000 | 94,694,000 | 97,316,000 |
| Interest-bearing deposits | 78,435,000 | 76,710,000 | 77,517,000 | 78,332,000 |
| Noninterest-bearing deposits | 16,902,000 | 17,725,000 | 17,177,000 | 18,984,000 |
| Equity capital | 9,455,000 | 9,237,000 | 9,316,000 | 9,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,745,000 | 4,157,000 | 5,598,000 |
| Interest expense | 296,000 | 589,000 | 913,000 | 1,281,000 |
| Net interest income | 1,083,000 | 2,156,000 | 3,244,000 | 4,317,000 |
| Noninterest income | 291,000 | 718,000 | 1,057,000 | 1,388,000 |
| Noninterest expense | 774,000 | 1,505,000 | 2,233,000 | 2,985,000 |
| Provision for loan losses | 10,000 | 35,000 | 60,000 | 96,000 |
| Pretax income | 590,000 | 1,334,000 | 2,011,000 | 2,626,000 |
| Income tax | 215,000 | 492,000 | 741,000 | 966,000 |
| Net income | 375,000 | 842,000 | 1,270,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,532,000 | 8,549,000 | 8,528,000 | 8,517,000 |
| Total capital | 9,480,000 | 9,484,000 | 9,490,000 | 9,464,000 |
| Risk-weighted assets | 75,216,000 | 74,199,000 | 76,344,000 | 75,156,000 |