Call reports 2016
CENTRAL BANK OF AUDRAIN COUNTY — 2016
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 162,088,000 | 160,880,000 | 165,213,000 | 187,679,000 |
| Total loans | 93,303,000 | 92,865,000 | 88,735,000 | 88,468,000 |
| Allowance for loan losses | 1,820,000 | 1,821,000 | 1,827,000 | 1,800,000 |
| Securities available for sale | 35,990,000 | 37,319,000 | 42,008,000 | 48,650,000 |
| Securities held to maturity | 4,231,000 | 4,229,000 | 3,716,000 | 3,439,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,674,000 | 133,812,000 | 137,470,000 | 155,641,000 |
| Interest-bearing deposits | 105,429,000 | 100,004,000 | 101,056,000 | 113,015,000 |
| Noninterest-bearing deposits | 35,245,000 | 33,808,000 | 36,414,000 | 42,626,000 |
| Equity capital | 13,302,000 | 13,378,000 | 13,280,000 | 13,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,681,000 | 4,038,000 | 5,373,000 |
| Interest expense | 54,000 | 108,000 | 163,000 | 223,000 |
| Net interest income | 1,298,000 | 2,573,000 | 3,875,000 | 5,150,000 |
| Noninterest income | 346,000 | 659,000 | 1,018,000 | 1,369,000 |
| Noninterest expense | 937,000 | 1,893,000 | 2,857,000 | 3,730,000 |
| Provision for loan losses | 26,000 | 44,000 | 54,000 | 62,000 |
| Pretax income | 681,000 | 1,295,000 | 1,982,000 | 2,728,000 |
| Income tax | 221,000 | 407,000 | 633,000 | 879,000 |
| Net income | 460,000 | 888,000 | 1,349,000 | 1,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,946,000 | 11,978,000 | 11,945,000 | 12,451,000 |
| Total capital | 13,235,000 | 13,268,000 | 13,179,000 | 13,760,000 |
| Risk-weighted assets | 102,538,000 | 102,684,000 | 98,135,000 | 104,173,000 |