Call reports 2016
AUTO CLUB TRUST, FSB — 2016
What AUTO CLUB TRUST, 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 | 319,440,000 | 384,045,000 | 401,218,000 | 403,733,000 |
| Total loans | 159,645,000 | 224,365,000 | 223,782,000 | 225,414,000 |
| Allowance for loan losses | 1,550,000 | 2,190,000 | 1,827,000 | 1,882,000 |
| Securities available for sale | 133,571,000 | 152,992,000 | 165,172,000 | 171,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,514,000 | 274,908,000 | 302,327,000 | 316,432,000 |
| Interest-bearing deposits | 207,540,000 | 272,710,000 | 299,644,000 | 312,958,000 |
| Noninterest-bearing deposits | 1,974,000 | 2,198,000 | 2,683,000 | 3,474,000 |
| Equity capital | 54,705,000 | 64,993,000 | 63,768,000 | 58,256,000 |
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 | 1,967,000 | 4,372,000 | 7,038,000 | 9,825,000 |
| Interest expense | 595,000 | 1,352,000 | 2,232,000 | 3,172,000 |
| Net interest income | 1,372,000 | 3,020,000 | 4,806,000 | 6,653,000 |
| Noninterest income | 1,066,000 | 2,076,000 | 1,975,000 | 3,965,000 |
| Noninterest expense | 2,711,000 | 5,898,000 | 9,215,000 | 12,147,000 |
| Provision for loan losses | -333,000 | 374,000 | 60,000 | 136,000 |
| Pretax income | 79,000 | -427,000 | -1,514,000 | -685,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 79,000 | -427,000 | -1,514,000 | -685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,215,000 | 62,709,000 | 61,622,000 | 62,451,000 |
| Total capital | 54,765,000 | 64,899,000 | 63,449,000 | 64,333,000 |
| Risk-weighted assets | 147,486,000 | 209,555,000 | 206,385,000 | 211,275,000 |