Call reports 2016
AUBURN SAVINGS BANK, FSB — 2016
What AUBURN SAVINGS BANK, FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 69,576,000 | 70,561,000 | 70,853,000 | 69,675,000 |
| Total loans | 62,313,000 | 62,474,000 | 61,795,000 | 61,923,000 |
| Allowance for loan losses | 746,000 | 710,000 | 700,000 | 704,000 |
| Securities available for sale | 3,339,000 | 3,297,000 | 4,209,000 | 3,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,055,000 | 50,423,000 | 51,982,000 | 49,832,000 |
| Interest-bearing deposits | 46,642,000 | 47,258,000 | 47,104,000 | 46,841,000 |
| Noninterest-bearing deposits | 3,413,000 | 3,165,000 | 4,878,000 | 2,991,000 |
| Equity capital | 6,223,000 | 6,333,000 | 6,386,000 | 6,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,525,000 | 2,301,000 | 3,071,000 |
| Interest expense | 99,000 | 200,000 | 297,000 | 394,000 |
| Net interest income | 666,000 | 1,325,000 | 2,004,000 | 2,677,000 |
| Noninterest income | 57,000 | 103,000 | 164,000 | 209,000 |
| Noninterest expense | 572,000 | 1,125,000 | 1,722,000 | 2,312,000 |
| Provision for loan losses | 30,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 121,000 | 233,000 | 346,000 | 444,000 |
| Income tax | 39,000 | 76,000 | 116,000 | 152,000 |
| Net income | 82,000 | 157,000 | 230,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,210,000 | 6,285,000 | 6,359,000 | 6,420,000 |
| Total capital | 6,762,000 | 6,835,000 | 6,907,000 | 6,968,000 |
| Risk-weighted assets | 43,939,000 | 43,711,000 | 43,636,000 | 43,453,000 |