Call reports 2012
AUTO CLUB TRUST, FSB — 2012
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 70,956,000 | 70,855,000 | 69,272,000 | 70,848,000 |
| Total loans | 2,891,000 | 4,393,000 | 7,844,000 | 11,869,000 |
| Allowance for loan losses | 36,000 | 54,000 | 103,000 | 146,000 |
| Securities available for sale | 62,455,000 | 61,205,000 | 55,277,000 | 54,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,535,000 | 16,995,000 | 15,950,000 | 18,593,000 |
| Interest-bearing deposits | 15,788,000 | 16,161,000 | 14,947,000 | 17,810,000 |
| Noninterest-bearing deposits | 747,000 | 834,000 | 1,003,000 | 783,000 |
| Equity capital | 53,698,000 | 53,092,000 | 52,911,000 | 51,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 764,000 | 1,146,000 | 1,674,000 |
| Interest expense | 53,000 | 108,000 | 152,000 | 195,000 |
| Net interest income | 367,000 | 656,000 | 994,000 | 1,479,000 |
| Noninterest income | 95,000 | 225,000 | 384,000 | 630,000 |
| Noninterest expense | 1,223,000 | 2,587,000 | 3,723,000 | 5,527,000 |
| Provision for loan losses | 17,000 | 36,000 | 85,000 | 128,000 |
| Pretax income | -778,000 | -1,742,000 | -2,290,000 | -3,406,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -778,000 | -1,742,000 | -2,290,000 | -3,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,342,000 | 51,377,000 | 50,829,000 | 49,714,000 |
| Total capital | 52,378,000 | 51,431,000 | 50,932,000 | 49,860,000 |
| Risk-weighted assets | 16,809,000 | 20,313,000 | 23,160,000 | 26,897,000 |