Call reports 2015
AUBURN SAVINGS BANK, FSB — 2015
What AUBURN SAVINGS BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,973,000 | 72,223,000 | 71,634,000 | 71,210,000 |
| Total loans | 63,171,000 | 63,262,000 | 63,683,000 | 62,214,000 |
| Allowance for loan losses | 710,000 | 725,000 | 743,000 | 734,000 |
| Securities available for sale | 3,598,000 | 3,468,000 | 3,449,000 | 3,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,382,000 | 48,734,000 | 49,095,000 | 49,158,000 |
| Interest-bearing deposits | 46,928,000 | 45,765,000 | 45,153,000 | 46,039,000 |
| Noninterest-bearing deposits | 3,454,000 | 2,969,000 | 3,942,000 | 3,119,000 |
| Equity capital | 5,915,000 | 5,909,000 | 6,029,000 | 6,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,536,000 | 2,323,000 | 3,096,000 |
| Interest expense | 131,000 | 246,000 | 352,000 | 451,000 |
| Net interest income | 637,000 | 1,290,000 | 1,971,000 | 2,645,000 |
| Noninterest income | 11,000 | 63,000 | 105,000 | 155,000 |
| Noninterest expense | 612,000 | 1,229,000 | 1,811,000 | 2,390,000 |
| Provision for loan losses | 15,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 21,000 | 64,000 | 175,000 | 290,000 |
| Income tax | 6,000 | 18,000 | 54,000 | 90,000 |
| Net income | 15,000 | 46,000 | 121,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,943,000 | 5,974,000 | 6,050,000 | 6,128,000 |
| Total capital | 6,472,000 | 6,537,000 | 6,615,000 | 6,694,000 |
| Risk-weighted assets | 41,990,000 | 44,735,000 | 44,873,000 | 45,019,000 |