Call reports 2019
AUTO CLUB TRUST, FSB — 2019
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 535,497,000 | 563,198,000 | 559,809,000 | 567,245,000 |
| Total loans | 332,082,000 | 320,881,000 | 304,657,000 | 313,342,000 |
| Allowance for loan losses | 2,453,000 | 2,452,000 | 2,175,000 | 2,320,000 |
| Securities available for sale | 180,868,000 | 215,024,000 | 220,288,000 | 229,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,967,000 | 401,835,000 | 393,744,000 | 389,635,000 |
| Interest-bearing deposits | 392,303,000 | 397,174,000 | 389,516,000 | 385,868,000 |
| Noninterest-bearing deposits | 3,664,000 | 4,661,000 | 4,228,000 | 3,767,000 |
| Equity capital | 55,092,000 | 58,500,000 | 62,002,000 | 60,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,415,000 | 8,855,000 | 13,434,000 | 17,835,000 |
| Interest expense | 2,219,000 | 4,872,000 | 7,607,000 | 10,282,000 |
| Net interest income | 2,196,000 | 3,983,000 | 5,827,000 | 7,553,000 |
| Noninterest income | 1,880,000 | 4,154,000 | 6,252,000 | 7,197,000 |
| Noninterest expense | 5,431,000 | 10,808,000 | 16,151,000 | 22,043,000 |
| Provision for loan losses | 26,000 | 65,000 | -129,000 | 20,000 |
| Pretax income | -1,356,000 | -2,696,000 | -3,885,000 | -7,221,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,356,000 | -2,696,000 | -3,885,000 | -7,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,010,000 | 55,669,000 | 57,480,000 | 56,144,000 |
| Total capital | 58,463,000 | 58,121,000 | 59,655,000 | 58,464,000 |
| Risk-weighted assets | 358,537,000 | 371,840,000 | 349,442,000 | 365,855,000 |