Call reports 2008
CENTRAL BANK OF AUDRAIN COUNTY — 2008
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 138,504,000 | 135,353,000 | 137,853,000 | 142,125,000 |
| Total loans | 86,079,000 | 86,065,000 | 94,286,000 | 94,051,000 |
| Allowance for loan losses | 1,521,000 | 1,538,000 | 1,555,000 | 1,596,000 |
| Securities available for sale | 34,896,000 | 33,115,000 | 30,424,000 | 29,432,000 |
| Securities held to maturity | 4,935,000 | 6,543,000 | 6,491,000 | 6,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,974,000 | 107,306,000 | 105,173,000 | 109,454,000 |
| Interest-bearing deposits | 91,512,000 | 88,961,000 | 87,506,000 | 88,766,000 |
| Noninterest-bearing deposits | 18,462,000 | 18,345,000 | 17,667,000 | 20,688,000 |
| Equity capital | 10,980,000 | 10,775,000 | 10,835,000 | 11,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,150,000 | 4,134,000 | 6,053,000 | 7,963,000 |
| Interest expense | 804,000 | 1,433,000 | 2,027,000 | 2,533,000 |
| Net interest income | 1,346,000 | 2,701,000 | 4,026,000 | 5,430,000 |
| Noninterest income | 330,000 | 800,000 | 1,177,000 | 1,512,000 |
| Noninterest expense | 874,000 | 1,754,000 | 2,638,000 | 3,423,000 |
| Provision for loan losses | 23,000 | 45,000 | 77,000 | 282,000 |
| Pretax income | 779,000 | 1,702,000 | 2,488,000 | 3,237,000 |
| Income tax | 273,000 | 601,000 | 877,000 | 1,135,000 |
| Net income | 506,000 | 1,101,000 | 1,611,000 | 2,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,825,000 | 9,870,000 | 9,830,000 | 10,071,000 |
| Total capital | 10,930,000 | 10,996,000 | 11,013,000 | 11,263,000 |
| Risk-weighted assets | 87,968,000 | 89,642,000 | 94,284,000 | 94,920,000 |