Call reports 2021
CENTRAL BANK OF AUDRAIN COUNTY — 2021
What CENTRAL BANK OF AUDRAIN COUNTY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Total assets | 246,977,000 | 231,116,000 | 224,979,000 |
| Total loans | 92,218,000 | 86,152,000 | 86,060,000 |
| Allowance for loan losses | 1,757,000 | 1,789,000 | 1,810,000 |
| Securities available for sale | 73,412,000 | 76,065,000 | 84,250,000 |
| Securities held to maturity | 300,000 | 300,000 | 150,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 222,308,000 | 205,528,000 | 199,799,000 |
| Interest-bearing deposits | 146,001,000 | 142,101,000 | 136,729,000 |
| Noninterest-bearing deposits | 76,307,000 | 63,427,000 | 63,070,000 |
| Equity capital | 16,843,000 | 18,016,000 | 17,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Interest income | 1,249,000 | 2,721,000 | 4,044,000 |
| Interest expense | 57,000 | 109,000 | 161,000 |
| Net interest income | 1,192,000 | 2,612,000 | 3,883,000 |
| Noninterest income | 375,000 | 788,000 | 1,247,000 |
| Noninterest expense | 945,000 | 1,906,000 | 2,843,000 |
| Provision for loan losses | 6,000 | 16,000 | 23,000 |
| Pretax income | 616,000 | 1,481,000 | 2,267,000 |
| Income tax | 130,000 | 321,000 | 497,000 |
| Net income | 486,000 | 1,160,000 | 1,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Tier 1 capital | 15,591,000 | 16,774,000 | 16,393,000 |
| Total capital | 16,800,000 | 17,936,000 | 17,560,000 |
| Risk-weighted assets | 96,207,000 | 92,370,000 | 92,733,000 |