Call reports 2013
CENTRAL BANK OF AUDRAIN COUNTY — 2013
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 153,109,000 | 151,535,000 | 152,614,000 | 153,070,000 |
| Total loans | 88,742,000 | 87,589,000 | 90,363,000 | 93,342,000 |
| Allowance for loan losses | 1,894,000 | 1,922,000 | 1,925,000 | 2,072,000 |
| Securities available for sale | 23,911,000 | 21,386,000 | 18,249,000 | 20,025,000 |
| Securities held to maturity | 9,780,000 | 9,766,000 | 9,752,000 | 9,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,717,000 | 123,955,000 | 121,059,000 | 121,396,000 |
| Interest-bearing deposits | 95,225,000 | 89,156,000 | 87,593,000 | 87,181,000 |
| Noninterest-bearing deposits | 28,492,000 | 34,799,000 | 33,466,000 | 34,215,000 |
| Equity capital | 12,925,000 | 12,822,000 | 12,785,000 | 12,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,345,000 | 2,637,000 | 3,904,000 | 5,195,000 |
| Interest expense | 97,000 | 189,000 | 271,000 | 340,000 |
| Net interest income | 1,248,000 | 2,448,000 | 3,633,000 | 4,855,000 |
| Noninterest income | 306,000 | 690,000 | 1,020,000 | 1,360,000 |
| Noninterest expense | 899,000 | 1,810,000 | 2,696,000 | 3,530,000 |
| Provision for loan losses | 59,000 | 102,000 | 104,000 | 111,000 |
| Pretax income | 596,000 | 1,265,000 | 1,909,000 | 2,630,000 |
| Income tax | 189,000 | 405,000 | 612,000 | 852,000 |
| Net income | 407,000 | 860,000 | 1,297,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,625,000 | 11,728,000 | 11,765,000 | 11,846,000 |
| Total capital | 12,712,000 | 12,842,000 | 12,914,000 | 13,056,000 |
| Risk-weighted assets | 86,113,000 | 88,296,000 | 91,145,000 | 95,962,000 |