Call reports 2019
CENTRAL BANK OF AUDRAIN COUNTY — 2019
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 174,370,000 | 169,954,000 | 178,933,000 | 204,933,000 |
| Total loans | 88,412,000 | 94,565,000 | 91,611,000 | 92,603,000 |
| Allowance for loan losses | 1,576,000 | 1,589,000 | 1,606,000 | 1,616,000 |
| Securities available for sale | 36,980,000 | 53,124,000 | 59,220,000 | 76,251,000 |
| Securities held to maturity | 1,077,000 | 1,076,000 | 926,000 | 926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,095,000 | 147,465,000 | 156,266,000 | 182,545,000 |
| Interest-bearing deposits | 108,061,000 | 104,260,000 | 113,441,000 | 131,440,000 |
| Noninterest-bearing deposits | 44,034,000 | 43,205,000 | 42,825,000 | 51,105,000 |
| Equity capital | 14,038,000 | 14,243,000 | 14,365,000 | 14,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,242,000 | 4,951,000 | 6,607,000 |
| Interest expense | 313,000 | 642,000 | 1,005,000 | 1,277,000 |
| Net interest income | 1,279,000 | 2,600,000 | 3,946,000 | 5,330,000 |
| Noninterest income | 298,000 | 633,000 | 978,000 | 1,320,000 |
| Noninterest expense | 824,000 | 1,712,000 | 2,610,000 | 3,492,000 |
| Provision for loan losses | 11,000 | 24,000 | 37,000 | 56,000 |
| Pretax income | 742,000 | 1,497,000 | 2,277,000 | 3,102,000 |
| Income tax | 163,000 | 332,000 | 503,000 | 717,000 |
| Net income | 579,000 | 1,165,000 | 1,774,000 | 2,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,976,000 | 13,070,000 | 13,186,000 | 13,108,000 |
| Total capital | 14,145,000 | 14,348,000 | 14,460,000 | 14,414,000 |
| Risk-weighted assets | 93,132,000 | 101,975,000 | 101,579,000 | 104,194,000 |