Call reports 2020
CENTRAL BANK OF AUDRAIN COUNTY — 2020
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 193,254,000 | 205,354,000 | 203,326,000 | 236,483,000 |
| Total loans | 92,574,000 | 100,186,000 | 94,710,000 | 92,227,000 |
| Allowance for loan losses | 1,649,000 | 1,694,000 | 1,747,000 | 1,752,000 |
| Securities available for sale | 72,756,000 | 77,268,000 | 73,624,000 | 83,626,000 |
| Securities held to maturity | 925,000 | 675,000 | 675,000 | 675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,372,000 | 179,973,000 | 178,024,000 | 211,951,000 |
| Interest-bearing deposits | 126,968,000 | 129,383,000 | 126,182,000 | 142,198,000 |
| Noninterest-bearing deposits | 44,404,000 | 50,590,000 | 51,842,000 | 69,753,000 |
| Equity capital | 15,112,000 | 15,945,000 | 16,508,000 | 16,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,114,000 | 4,496,000 | 5,789,000 |
| Interest expense | 277,000 | 361,000 | 439,000 | 505,000 |
| Net interest income | 1,352,000 | 2,753,000 | 4,057,000 | 5,284,000 |
| Noninterest income | 329,000 | 653,000 | 1,039,000 | 1,433,000 |
| Noninterest expense | 856,000 | 1,722,000 | 2,608,000 | 3,481,000 |
| Provision for loan losses | 36,000 | 99,000 | 129,000 | 138,000 |
| Pretax income | 789,000 | 1,585,000 | 2,359,000 | 3,098,000 |
| Income tax | 160,000 | 327,000 | 491,000 | 646,000 |
| Net income | 629,000 | 1,258,000 | 1,868,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,747,000 | 14,383,000 | 15,003,000 | 15,096,000 |
| Total capital | 15,082,000 | 15,702,000 | 16,195,000 | 16,332,000 |
| Risk-weighted assets | 106,501,000 | 105,158,000 | 94,833,000 | 98,354,000 |