Call reports 2010
CENTRAL BANK OF AUDRAIN COUNTY — 2010
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 144,000,000 | 151,922,000 | 142,562,000 | 147,454,000 |
| Total loans | 85,559,000 | 88,506,000 | 88,427,000 | 88,898,000 |
| Allowance for loan losses | 1,717,000 | 1,767,000 | 1,819,000 | 1,813,000 |
| Securities available for sale | 26,332,000 | 33,596,000 | 26,770,000 | 25,954,000 |
| Securities held to maturity | 6,624,000 | 6,367,000 | 7,197,000 | 7,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,792,000 | 109,117,000 | 112,280,000 | 112,053,000 |
| Interest-bearing deposits | 92,446,000 | 90,167,000 | 91,328,000 | 88,390,000 |
| Noninterest-bearing deposits | 19,346,000 | 18,950,000 | 20,952,000 | 23,663,000 |
| Equity capital | 11,647,000 | 12,011,000 | 12,351,000 | 11,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,211,000 | 4,826,000 | 6,381,000 |
| Interest expense | 283,000 | 526,000 | 744,000 | 930,000 |
| Net interest income | 1,324,000 | 2,685,000 | 4,082,000 | 5,451,000 |
| Noninterest income | 306,000 | 662,000 | 1,004,000 | 1,420,000 |
| Noninterest expense | 940,000 | 1,854,000 | 2,787,000 | 3,598,000 |
| Provision for loan losses | 41,000 | 84,000 | 139,000 | 282,000 |
| Pretax income | 649,000 | 1,409,000 | 2,160,000 | 2,991,000 |
| Income tax | 215,000 | 469,000 | 723,000 | 1,000,000 |
| Net income | 434,000 | 940,000 | 1,437,000 | 1,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,498,000 | 10,804,000 | 11,101,000 | 10,855,000 |
| Total capital | 11,770,000 | 11,906,000 | 12,377,000 | 12,123,000 |
| Risk-weighted assets | 101,299,000 | 87,491,000 | 101,522,000 | 100,895,000 |