Call reports 2005
CENTRAL BANK OF AUDRAIN COUNTY — 2005
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 113,843,000 | 114,975,000 | 113,956,000 | 113,246,000 |
| Total loans | 82,732,000 | 82,462,000 | 82,343,000 | 84,994,000 |
| Allowance for loan losses | 1,529,000 | 1,532,000 | 1,542,000 | 1,509,000 |
| Securities available for sale | 20,665,000 | 22,184,000 | 21,891,000 | 19,487,000 |
| Securities held to maturity | 395,000 | 940,000 | 940,000 | 940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,953,000 | 98,009,000 | 95,646,000 | 96,648,000 |
| Interest-bearing deposits | 79,291,000 | 79,111,000 | 77,718,000 | 76,936,000 |
| Noninterest-bearing deposits | 17,662,000 | 18,898,000 | 17,928,000 | 19,712,000 |
| Equity capital | 9,210,000 | 9,295,000 | 9,288,000 | 9,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,455,000 | 3,018,000 | 4,634,000 | 6,313,000 |
| Interest expense | 401,000 | 870,000 | 1,375,000 | 1,908,000 |
| Net interest income | 1,054,000 | 2,148,000 | 3,259,000 | 4,405,000 |
| Noninterest income | 300,000 | 655,000 | 1,032,000 | 1,395,000 |
| Noninterest expense | 755,000 | 1,506,000 | 2,277,000 | 2,995,000 |
| Provision for loan losses | 42,000 | 81,000 | 96,000 | 119,000 |
| Pretax income | 557,000 | 1,216,000 | 1,918,000 | 2,686,000 |
| Income tax | 203,000 | 445,000 | 704,000 | 987,000 |
| Net income | 354,000 | 771,000 | 1,214,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,546,000 | 8,538,000 | 8,582,000 | 8,617,000 |
| Total capital | 9,461,000 | 9,446,000 | 9,508,000 | 9,636,000 |
| Risk-weighted assets | 72,586,000 | 72,128,000 | 73,476,000 | 81,052,000 |