Call reports 2006
CENTRAL BANK OF AUDRAIN COUNTY — 2006
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,967,000 | 120,236,000 | 121,521,000 | 134,404,000 |
| Total loans | 86,485,000 | 88,693,000 | 88,214,000 | 86,598,000 |
| Allowance for loan losses | 1,531,000 | 1,553,000 | 1,577,000 | 1,524,000 |
| Securities available for sale | 18,695,000 | 20,653,000 | 21,954,000 | 27,924,000 |
| Securities held to maturity | 1,444,000 | 2,512,000 | 2,937,000 | 3,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,006,000 | 99,461,000 | 99,443,000 | 104,510,000 |
| Interest-bearing deposits | 76,948,000 | 82,817,000 | 82,437,000 | 83,709,000 |
| Noninterest-bearing deposits | 18,058,000 | 16,644,000 | 17,006,000 | 20,801,000 |
| Equity capital | 9,247,000 | 9,232,000 | 9,385,000 | 9,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,595,000 | 5,663,000 | 7,766,000 |
| Interest expense | 596,000 | 1,325,000 | 2,155,000 | 3,079,000 |
| Net interest income | 1,136,000 | 2,270,000 | 3,508,000 | 4,687,000 |
| Noninterest income | 318,000 | 702,000 | 1,051,000 | 1,348,000 |
| Noninterest expense | 760,000 | 1,582,000 | 2,378,000 | 3,137,000 |
| Provision for loan losses | 25,000 | 49,000 | 76,000 | 98,000 |
| Pretax income | 651,000 | 1,323,000 | 2,087,000 | 2,782,000 |
| Income tax | 238,000 | 482,000 | 751,000 | 1,004,000 |
| Net income | 413,000 | 841,000 | 1,336,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,630,000 | 8,658,000 | 8,678,000 | 8,869,000 |
| Total capital | 9,650,000 | 9,722,000 | 9,744,000 | 9,966,000 |
| Risk-weighted assets | 81,101,000 | 84,648,000 | 84,786,000 | 87,332,000 |