Call reports 2014
CENTRAL BANK OF AUDRAIN COUNTY — 2014
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 153,937,000 | 144,765,000 | 144,162,000 | 158,992,000 |
| Total loans | 89,605,000 | 90,909,000 | 94,145,000 | 92,883,000 |
| Allowance for loan losses | 2,063,000 | 2,016,000 | 2,016,000 | 1,889,000 |
| Securities available for sale | 38,018,000 | 33,085,000 | 32,545,000 | 31,831,000 |
| Securities held to maturity | 8,567,000 | 7,751,000 | 7,495,000 | 7,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,687,000 | 121,292,000 | 118,234,000 | 131,907,000 |
| Interest-bearing deposits | 96,289,000 | 89,644,000 | 88,481,000 | 94,111,000 |
| Noninterest-bearing deposits | 31,398,000 | 31,648,000 | 29,753,000 | 37,796,000 |
| Equity capital | 12,803,000 | 13,401,000 | 13,811,000 | 13,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,261,000 | 2,571,000 | 3,877,000 | 5,233,000 |
| Interest expense | 59,000 | 112,000 | 160,000 | 208,000 |
| Net interest income | 1,202,000 | 2,459,000 | 3,717,000 | 5,025,000 |
| Noninterest income | 259,000 | 597,000 | 921,000 | 1,279,000 |
| Noninterest expense | 845,000 | 1,751,000 | 2,693,000 | 3,587,000 |
| Provision for loan losses | 2,000 | 4,000 | 9,000 | 11,000 |
| Pretax income | 614,000 | 1,293,000 | 1,928,000 | 2,698,000 |
| Income tax | 190,000 | 408,000 | 606,000 | 837,000 |
| Net income | 424,000 | 885,000 | 1,322,000 | 1,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,870,000 | 12,332,000 | 12,768,000 | 11,647,000 |
| Total capital | 13,065,000 | 13,579,000 | 14,026,000 | 12,906,000 |
| Risk-weighted assets | 94,750,000 | 98,978,000 | 99,893,000 | 100,038,000 |