Call reports 2011
CENTRAL BANK OF AUDRAIN COUNTY — 2011
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 148,686,000 | 155,073,000 | 155,818,000 | 154,980,000 |
| Total loans | 84,618,000 | 87,449,000 | 90,627,000 | 90,297,000 |
| Allowance for loan losses | 1,784,000 | 1,817,000 | 1,829,000 | 1,821,000 |
| Securities available for sale | 27,740,000 | 35,114,000 | 28,685,000 | 32,848,000 |
| Securities held to maturity | 8,754,000 | 9,623,000 | 11,353,000 | 11,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,981,000 | 117,126,000 | 117,720,000 | 121,670,000 |
| Interest-bearing deposits | 93,320,000 | 92,149,000 | 91,547,000 | 93,316,000 |
| Noninterest-bearing deposits | 22,661,000 | 24,977,000 | 26,173,000 | 28,354,000 |
| Equity capital | 11,870,000 | 12,371,000 | 12,780,000 | 12,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,488,000 | 3,014,000 | 4,541,000 | 6,032,000 |
| Interest expense | 170,000 | 326,000 | 466,000 | 598,000 |
| Net interest income | 1,318,000 | 2,688,000 | 4,075,000 | 5,434,000 |
| Noninterest income | 329,000 | 695,000 | 1,026,000 | 1,386,000 |
| Noninterest expense | 930,000 | 1,848,000 | 2,730,000 | 3,600,000 |
| Provision for loan losses | 36,000 | 87,000 | 134,000 | 230,000 |
| Pretax income | 681,000 | 1,445,000 | 2,234,000 | 2,987,000 |
| Income tax | 221,000 | 471,000 | 731,000 | 977,000 |
| Net income | 460,000 | 974,000 | 1,503,000 | 2,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,866,000 | 11,179,000 | 11,508,000 | 11,515,000 |
| Total capital | 12,085,000 | 12,423,000 | 12,653,000 | 12,690,000 |
| Risk-weighted assets | 96,928,000 | 98,938,000 | 90,940,000 | 93,321,000 |