Call reports 2015
CENTRAL BANK OF AUDRAIN COUNTY — 2015
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 156,922,000 | 154,844,000 | 160,470,000 | 184,062,000 |
| Total loans | 88,904,000 | 89,429,000 | 90,451,000 | 92,837,000 |
| Allowance for loan losses | 1,903,000 | 1,922,000 | 1,845,000 | 1,797,000 |
| Securities available for sale | 40,512,000 | 39,410,000 | 37,611,000 | 44,890,000 |
| Securities held to maturity | 6,609,000 | 6,110,000 | 6,107,000 | 5,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,400,000 | 130,823,000 | 137,855,000 | 156,867,000 |
| Interest-bearing deposits | 96,983,000 | 97,589,000 | 102,777,000 | 119,664,000 |
| Noninterest-bearing deposits | 36,417,000 | 33,234,000 | 35,078,000 | 37,203,000 |
| Equity capital | 13,190,000 | 13,136,000 | 13,220,000 | 13,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 2,577,000 | 3,872,000 | 5,178,000 |
| Interest expense | 48,000 | 97,000 | 147,000 | 198,000 |
| Net interest income | 1,223,000 | 2,480,000 | 3,725,000 | 4,980,000 |
| Noninterest income | 311,000 | 667,000 | 1,020,000 | 1,360,000 |
| Noninterest expense | 876,000 | 1,782,000 | 2,730,000 | 3,626,000 |
| Provision for loan losses | 20,000 | 41,000 | 44,000 | 48,000 |
| Pretax income | 638,000 | 1,324,000 | 1,971,000 | 2,666,000 |
| Income tax | 202,000 | 421,000 | 626,000 | 850,000 |
| Net income | 436,000 | 903,000 | 1,345,000 | 1,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,878,000 | 11,923,000 | 11,919,000 | 11,944,000 |
| Total capital | 13,041,000 | 13,120,000 | 13,184,000 | 13,389,000 |
| Risk-weighted assets | 103,127,000 | 95,109,000 | 100,569,000 | 115,207,000 |