Call reports 2009
CENTRAL BANK OF AUDRAIN COUNTY — 2009
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 141,851,000 | 142,709,000 | 145,051,000 | 151,885,000 |
| Total loans | 94,889,000 | 90,199,000 | 88,355,000 | 88,031,000 |
| Allowance for loan losses | 1,638,000 | 1,616,000 | 1,645,000 | 1,664,000 |
| Securities available for sale | 28,415,000 | 33,924,000 | 27,169,000 | 30,459,000 |
| Securities held to maturity | 7,296,000 | 7,292,000 | 7,119,000 | 7,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,176,000 | 114,441,000 | 113,476,000 | 119,306,000 |
| Interest-bearing deposits | 92,806,000 | 95,760,000 | 95,839,000 | 93,450,000 |
| Noninterest-bearing deposits | 19,370,000 | 18,681,000 | 17,637,000 | 25,856,000 |
| Equity capital | 11,263,000 | 11,270,000 | 11,283,000 | 11,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,809,000 | 3,538,000 | 5,220,000 | 6,925,000 |
| Interest expense | 405,000 | 796,000 | 1,186,000 | 1,524,000 |
| Net interest income | 1,404,000 | 2,742,000 | 4,034,000 | 5,401,000 |
| Noninterest income | 391,000 | 844,000 | 1,219,000 | 1,585,000 |
| Noninterest expense | 883,000 | 1,860,000 | 2,803,000 | 3,609,000 |
| Provision for loan losses | 65,000 | 132,000 | 237,000 | 451,000 |
| Pretax income | 847,000 | 1,594,000 | 2,213,000 | 2,926,000 |
| Income tax | 298,000 | 550,000 | 753,000 | 982,000 |
| Net income | 549,000 | 1,044,000 | 1,460,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,094,000 | 10,114,000 | 10,030,000 | 10,264,000 |
| Total capital | 11,284,000 | 11,316,000 | 11,290,000 | 11,533,000 |
| Risk-weighted assets | 94,776,000 | 95,740,000 | 100,363,000 | 101,081,000 |