Call reports 2017
CENTRAL BANK OF AUDRAIN COUNTY — 2017
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 169,860,000 | 175,608,000 | 168,661,000 | 181,013,000 |
| Total loans | 87,799,000 | 90,188,000 | 92,783,000 | 93,499,000 |
| Allowance for loan losses | 1,780,000 | 1,800,000 | 1,434,000 | 1,564,000 |
| Securities available for sale | 51,214,000 | 52,367,000 | 48,161,000 | 52,401,000 |
| Securities held to maturity | 2,782,000 | 2,330,000 | 2,129,000 | 1,869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,943,000 | 147,481,000 | 148,727,000 | 162,647,000 |
| Interest-bearing deposits | 104,147,000 | 106,178,000 | 105,994,000 | 116,544,000 |
| Noninterest-bearing deposits | 42,796,000 | 41,303,000 | 42,733,000 | 46,103,000 |
| Equity capital | 13,566,000 | 14,026,000 | 13,661,000 | 13,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,297,000 | 2,630,000 | 4,022,000 | 5,420,000 |
| Interest expense | 61,000 | 137,000 | 238,000 | 326,000 |
| Net interest income | 1,236,000 | 2,493,000 | 3,784,000 | 5,094,000 |
| Noninterest income | 301,000 | 622,000 | 964,000 | 1,293,000 |
| Noninterest expense | 913,000 | 1,826,000 | 2,732,000 | 3,618,000 |
| Provision for loan losses | 8,000 | 29,000 | 120,000 | 189,000 |
| Pretax income | 616,000 | 1,260,000 | 1,893,000 | 2,577,000 |
| Income tax | 200,000 | 403,000 | 604,000 | 998,000 |
| Net income | 416,000 | 857,000 | 1,289,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,417,000 | 12,865,000 | 12,503,000 | 12,810,000 |
| Total capital | 13,695,000 | 14,178,000 | 13,824,000 | 14,185,000 |
| Risk-weighted assets | 101,725,000 | 104,402,000 | 105,552,000 | 109,757,000 |