Call reports 2014
AUTO CLUB TRUST, FSB — 2014
What AUTO CLUB TRUST, 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 | 67,510,000 | 72,061,000 | 75,717,000 | 78,549,000 |
| Total loans | 20,109,000 | 25,859,000 | 31,761,000 | 38,107,000 |
| Allowance for loan losses | 293,000 | 375,000 | 461,000 | 527,000 |
| Securities available for sale | 41,406,000 | 40,720,000 | 39,120,000 | 35,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,563,000 | 29,431,000 | 35,073,000 | 39,896,000 |
| Interest-bearing deposits | 22,375,000 | 28,388,000 | 33,624,000 | 38,670,000 |
| Noninterest-bearing deposits | 1,188,000 | 1,043,000 | 1,449,000 | 1,226,000 |
| Equity capital | 42,125,000 | 40,668,000 | 38,848,000 | 37,773,000 |
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 | 432,000 | 905,000 | 1,379,000 | 1,808,000 |
| Interest expense | 45,000 | 104,000 | 177,000 | 264,000 |
| Net interest income | 387,000 | 801,000 | 1,202,000 | 1,544,000 |
| Noninterest income | 184,000 | 415,000 | 652,000 | 864,000 |
| Noninterest expense | 2,156,000 | 4,803,000 | 7,001,000 | 8,942,000 |
| Provision for loan losses | 33,000 | 115,000 | 201,000 | 267,000 |
| Pretax income | -1,616,000 | -3,700,000 | -5,346,000 | -6,784,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,616,000 | -3,700,000 | -5,346,000 | -6,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,518,000 | 40,435,000 | 38,789,000 | 37,351,000 |
| Total capital | 42,811,000 | 40,810,000 | 39,235,000 | 37,799,000 |
| Risk-weighted assets | 29,098,000 | 32,534,000 | 35,690,000 | 35,740,000 |