Call reports 2007
CENTRAL BANK OF AUDRAIN COUNTY — 2007
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 140,373,000 | 142,734,000 | 142,742,000 | 140,975,000 |
| Total loans | 85,798,000 | 84,192,000 | 87,374,000 | 90,031,000 |
| Allowance for loan losses | 1,545,000 | 1,573,000 | 1,574,000 | 1,497,000 |
| Securities available for sale | 39,720,000 | 41,732,000 | 38,549,000 | 35,432,000 |
| Securities held to maturity | 3,438,000 | 4,495,000 | 4,639,000 | 4,637,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,309,000 | 103,031,000 | 106,932,000 | 110,703,000 |
| Interest-bearing deposits | 85,128,000 | 85,318,000 | 86,665,000 | 91,420,000 |
| Noninterest-bearing deposits | 18,181,000 | 17,713,000 | 20,267,000 | 19,283,000 |
| Equity capital | 10,052,000 | 10,142,000 | 10,511,000 | 10,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,548,000 | 6,882,000 | 9,188,000 |
| Interest expense | 1,032,000 | 2,149,000 | 3,245,000 | 4,236,000 |
| Net interest income | 1,168,000 | 2,399,000 | 3,637,000 | 4,952,000 |
| Noninterest income | 320,000 | 686,000 | 1,011,000 | 1,342,000 |
| Noninterest expense | 841,000 | 1,668,000 | 2,497,000 | 3,255,000 |
| Provision for loan losses | 14,000 | 37,000 | 68,000 | 106,000 |
| Pretax income | 633,000 | 1,380,000 | 2,083,000 | 2,933,000 |
| Income tax | 224,000 | 490,000 | 735,000 | 1,033,000 |
| Net income | 409,000 | 890,000 | 1,348,000 | 1,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,279,000 | 9,459,000 | 9,617,000 | 9,768,000 |
| Total capital | 10,385,000 | 10,558,000 | 10,760,000 | 10,975,000 |
| Risk-weighted assets | 87,998,000 | 87,452,000 | 90,992,000 | 96,223,000 |