Call reports 2020
AUTO CLUB TRUST, FSB — 2020
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 567,159,000 | 567,727,000 | 585,406,000 | 602,777,000 |
| Total loans | 295,041,000 | 290,417,000 | 290,169,000 | 298,466,000 |
| Allowance for loan losses | 2,386,000 | 2,378,000 | 2,400,000 | 2,420,000 |
| Securities available for sale | 247,653,000 | 248,246,000 | 257,864,000 | 253,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,569,000 | 373,442,000 | 383,547,000 | 396,998,000 |
| Interest-bearing deposits | 377,805,000 | 367,445,000 | 375,223,000 | 388,697,000 |
| Noninterest-bearing deposits | 5,764,000 | 5,997,000 | 8,324,000 | 8,301,000 |
| Equity capital | 58,969,000 | 62,375,000 | 62,462,000 | 64,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,931,000 | 7,914,000 | 11,523,000 | 15,455,000 |
| Interest expense | 2,473,000 | 4,429,000 | 6,233,000 | 7,876,000 |
| Net interest income | 1,458,000 | 3,485,000 | 5,290,000 | 7,579,000 |
| Noninterest income | 2,034,000 | 3,348,000 | 5,327,000 | 8,093,000 |
| Noninterest expense | 5,903,000 | 11,089,000 | 17,107,000 | 24,722,000 |
| Provision for loan losses | 75,000 | 81,000 | 182,000 | 453,000 |
| Pretax income | -2,396,000 | -4,240,000 | -6,550,000 | -9,238,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,396,000 | -4,240,000 | -6,550,000 | -9,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,748,000 | 52,905,000 | 52,594,000 | 55,406,000 |
| Total capital | 56,134,000 | 55,283,000 | 54,994,000 | 57,826,000 |
| Risk-weighted assets | 358,688,000 | 365,680,000 | 372,729,000 | 400,053,000 |