Call reports 2018
AUTO CLUB TRUST, FSB — 2018
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 523,021,000 | 506,376,000 | 505,023,000 | 505,788,000 |
| Total loans | 337,624,000 | 337,213,000 | 338,937,000 | 335,104,000 |
| Allowance for loan losses | 2,259,000 | 2,238,000 | 2,313,000 | 2,524,000 |
| Securities available for sale | 148,438,000 | 153,357,000 | 147,624,000 | 149,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,894,000 | 365,341,000 | 364,879,000 | 369,664,000 |
| Interest-bearing deposits | 364,953,000 | 359,148,000 | 359,692,000 | 363,579,000 |
| Noninterest-bearing deposits | 4,941,000 | 6,193,000 | 5,187,000 | 6,085,000 |
| Equity capital | 53,128,000 | 54,242,000 | 52,851,000 | 53,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,076,000 | 8,040,000 | 12,189,000 | 16,386,000 |
| Interest expense | 1,544,000 | 3,258,000 | 5,096,000 | 7,127,000 |
| Net interest income | 2,532,000 | 4,782,000 | 7,093,000 | 9,259,000 |
| Noninterest income | 1,180,000 | 2,117,000 | 3,073,000 | 5,061,000 |
| Noninterest expense | 3,600,000 | 7,924,000 | 12,159,000 | 17,122,000 |
| Provision for loan losses | 109,000 | 152,000 | 238,000 | 454,000 |
| Pretax income | 3,000 | -1,177,000 | -2,231,000 | -5,995,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | -1,177,000 | -2,231,000 | -5,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,369,000 | 61,181,000 | 61,120,000 | 57,366,000 |
| Total capital | 61,628,000 | 63,419,000 | 63,433,000 | 59,890,000 |
| Risk-weighted assets | 308,271,000 | 310,858,000 | 313,880,000 | 341,763,000 |