Call reports 2017
AUTO CLUB TRUST, FSB — 2017
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 430,951,000 | 442,200,000 | 484,704,000 | 505,708,000 |
| Total loans | 231,359,000 | 261,358,000 | 319,126,000 | 343,179,000 |
| Allowance for loan losses | 1,858,000 | 2,050,000 | 2,206,000 | 2,167,000 |
| Securities available for sale | 165,074,000 | 161,946,000 | 151,410,000 | 145,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,890,000 | 333,622,000 | 346,392,000 | 354,852,000 |
| Interest-bearing deposits | 318,968,000 | 329,270,000 | 341,360,000 | 349,837,000 |
| Noninterest-bearing deposits | 4,922,000 | 4,352,000 | 5,032,000 | 5,015,000 |
| Equity capital | 58,117,000 | 58,920,000 | 57,534,000 | 56,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,194,000 | 6,156,000 | 9,453,000 | 13,448,000 |
| Interest expense | 955,000 | 2,051,000 | 3,249,000 | 4,680,000 |
| Net interest income | 2,239,000 | 4,105,000 | 6,204,000 | 8,768,000 |
| Noninterest income | 897,000 | 2,726,000 | 3,830,000 | 4,740,000 |
| Noninterest expense | 3,323,000 | 7,128,000 | 12,145,000 | 16,215,000 |
| Provision for loan losses | -20,000 | 183,000 | 440,000 | 385,000 |
| Pretax income | -167,000 | -480,000 | -2,529,000 | -3,070,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -167,000 | -480,000 | -2,529,000 | -3,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,285,000 | 61,971,000 | 59,922,000 | 59,382,000 |
| Total capital | 64,143,000 | 64,021,000 | 62,128,000 | 61,549,000 |
| Risk-weighted assets | 226,014,000 | 246,920,000 | 293,033,000 | 317,126,000 |