Call reports 2021
AUTO CLUB TRUST, FSB — 2021
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 592,397,000 | 588,157,000 | 590,058,000 | 579,580,000 |
| Total loans | 299,965,000 | 280,611,000 | 289,179,000 | 282,912,000 |
| Allowance for loan losses | 2,599,000 | 3,182,000 | 4,074,000 | 4,568,000 |
| Securities available for sale | 241,480,000 | 240,902,000 | 253,262,000 | 257,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,892,000 | 390,883,000 | 391,696,000 | 386,655,000 |
| Interest-bearing deposits | 381,685,000 | 382,166,000 | 383,009,000 | 380,910,000 |
| Noninterest-bearing deposits | 12,207,000 | 8,717,000 | 8,687,000 | 5,745,000 |
| Equity capital | 60,489,000 | 60,976,000 | 61,535,000 | 57,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,545,000 | 8,999,000 | 13,757,000 | 18,791,000 |
| Interest expense | 1,417,000 | 2,714,000 | 3,937,000 | 5,096,000 |
| Net interest income | 3,128,000 | 6,285,000 | 9,820,000 | 13,695,000 |
| Noninterest income | 3,223,000 | 6,054,000 | 8,520,000 | 10,846,000 |
| Noninterest expense | 7,835,000 | 14,442,000 | 21,133,000 | 27,533,000 |
| Provision for loan losses | 214,000 | 1,027,000 | 2,121,000 | 2,948,000 |
| Pretax income | -1,718,000 | -3,047,000 | -4,823,000 | -5,860,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,718,000 | -3,047,000 | -4,823,000 | -5,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,688,000 | 54,360,000 | 54,583,000 | 53,546,000 |
| Total capital | 56,287,000 | 57,542,000 | 58,657,000 | 58,114,000 |
| Risk-weighted assets | 394,416,000 | 374,834,000 | 394,530,000 | 396,332,000 |