Call reports 2014
AUBURN SAVINGS BANK, FSB — 2014
What AUBURN SAVINGS BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,509,000 | 71,959,000 | 73,041,000 | 72,338,000 |
| Total loans | 62,619,000 | 62,483,000 | 62,416,000 | 62,501,000 |
| Allowance for loan losses | 648,000 | 734,000 | 722,000 | 699,000 |
| Securities available for sale | 3,645,000 | 3,651,000 | 3,596,000 | 3,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,292,000 | 51,029,000 | 51,329,000 | 51,132,000 |
| Interest-bearing deposits | 49,049,000 | 48,353,000 | 48,185,000 | 47,678,000 |
| Noninterest-bearing deposits | 2,243,000 | 2,676,000 | 3,144,000 | 3,454,000 |
| Equity capital | 6,043,000 | 5,711,000 | 5,760,000 | 5,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 776,000 | 1,544,000 | 2,320,000 | 3,078,000 |
| Interest expense | 167,000 | 322,000 | 477,000 | 620,000 |
| Net interest income | 609,000 | 1,222,000 | 1,843,000 | 2,458,000 |
| Noninterest income | 35,000 | 15,000 | 60,000 | 94,000 |
| Noninterest expense | 582,000 | 1,167,000 | 1,744,000 | 2,321,000 |
| Provision for loan losses | 30,000 | 592,000 | 611,000 | 619,000 |
| Pretax income | 32,000 | -522,000 | -452,000 | -388,000 |
| Income tax | 10,000 | -152,000 | -132,000 | -115,000 |
| Net income | 22,000 | -370,000 | -320,000 | -273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,223,000 | 5,831,000 | 5,873,000 | 5,924,000 |
| Total capital | 6,920,000 | 6,525,000 | 6,576,000 | 6,623,000 |
| Risk-weighted assets | 48,596,000 | 48,756,000 | 49,837,000 | 49,566,000 |