Call reports 2022
AUTO CLUB TRUST, FSB — 2022
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 565,412,000 | 549,277,000 | 540,336,000 | 528,198,000 |
| Total loans | 284,852,000 | 297,224,000 | 299,652,000 | 296,678,000 |
| Allowance for loan losses | 4,884,000 | 5,859,000 | 5,698,000 | 5,465,000 |
| Securities available for sale | 245,650,000 | 217,661,000 | 202,971,000 | 194,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,752,000 | 380,058,000 | 373,130,000 | 371,153,000 |
| Interest-bearing deposits | 375,887,000 | 371,197,000 | 365,965,000 | 364,817,000 |
| Noninterest-bearing deposits | 7,865,000 | 8,861,000 | 7,165,000 | 6,336,000 |
| Equity capital | 45,372,000 | 32,809,000 | 31,263,000 | 30,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,174,000 | 10,533,000 | 16,202,000 | 21,871,000 |
| Interest expense | 1,095,000 | 2,252,000 | 3,744,000 | 5,836,000 |
| Net interest income | 4,079,000 | 8,281,000 | 12,458,000 | 16,035,000 |
| Noninterest income | 2,345,000 | 5,022,000 | 7,413,000 | 9,838,000 |
| Noninterest expense | 6,638,000 | 13,762,000 | 20,587,000 | 27,457,000 |
| Provision for loan losses | 651,000 | 2,107,000 | 2,694,000 | 3,362,000 |
| Pretax income | -916,000 | -2,521,000 | -3,458,000 | -4,992,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -916,000 | -2,521,000 | -3,458,000 | -4,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,630,000 | 51,025,000 | 52,088,000 | 50,554,000 |
| Total capital | 57,514,000 | 55,913,000 | 56,682,000 | 54,928,000 |
| Risk-weighted assets | 404,400,000 | 390,084,000 | 366,495,000 | 348,884,000 |