Call reports 2012
CENTRAL BANK OF AUDRAIN COUNTY — 2012
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 161,335,000 | 156,531,000 | 155,389,000 | 160,540,000 |
| Total loans | 87,526,000 | 92,349,000 | 93,122,000 | 93,588,000 |
| Allowance for loan losses | 1,589,000 | 1,772,000 | 1,835,000 | 1,852,000 |
| Securities available for sale | 31,522,000 | 29,630,000 | 30,222,000 | 26,374,000 |
| Securities held to maturity | 10,595,000 | 10,581,000 | 10,567,000 | 10,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,675,000 | 118,041,000 | 118,823,000 | 128,171,000 |
| Interest-bearing deposits | 94,317,000 | 93,009,000 | 93,032,000 | 93,304,000 |
| Noninterest-bearing deposits | 27,358,000 | 25,032,000 | 25,791,000 | 34,867,000 |
| Equity capital | 12,837,000 | 12,914,000 | 12,951,000 | 12,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,427,000 | 2,860,000 | 4,283,000 | 5,661,000 |
| Interest expense | 119,000 | 235,000 | 345,000 | 449,000 |
| Net interest income | 1,308,000 | 2,625,000 | 3,938,000 | 5,212,000 |
| Noninterest income | 340,000 | 817,000 | 1,147,000 | 1,545,000 |
| Noninterest expense | 895,000 | 1,761,000 | 2,627,000 | 3,459,000 |
| Provision for loan losses | 63,000 | 250,000 | 327,000 | 445,000 |
| Pretax income | 690,000 | 1,431,000 | 2,131,000 | 2,853,000 |
| Income tax | 219,000 | 462,000 | 689,000 | 925,000 |
| Net income | 471,000 | 969,000 | 1,442,000 | 1,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,508,000 | 11,550,000 | 11,572,000 | 11,610,000 |
| Total capital | 12,613,000 | 12,709,000 | 12,739,000 | 12,799,000 |
| Risk-weighted assets | 87,902,000 | 92,099,000 | 92,666,000 | 94,450,000 |