Call reports 2023
AUTO CLUB TRUST, FSB — 2023
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 524,185,000 | 534,500,000 | 503,108,000 | 504,799,000 |
| Total loans | 280,553,000 | 275,099,000 | 270,403,000 | 256,052,000 |
| Allowance for loan losses | 5,418,000 | 5,148,000 | 4,810,000 | 4,488,000 |
| Securities available for sale | 185,680,000 | 173,700,000 | 157,800,000 | 157,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,741,000 | 379,638,000 | 359,469,000 | 351,043,000 |
| Interest-bearing deposits | 363,144,000 | 373,080,000 | 353,785,000 | 346,266,000 |
| Noninterest-bearing deposits | 5,597,000 | 6,558,000 | 5,684,000 | 4,777,000 |
| Equity capital | 28,998,000 | 28,252,000 | 25,144,000 | 35,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,478,000 | 11,285,000 | 17,048,000 | 22,789,000 |
| Interest expense | 2,715,000 | 6,135,000 | 9,847,000 | 13,720,000 |
| Net interest income | 2,763,000 | 5,150,000 | 7,201,000 | 9,069,000 |
| Noninterest income | 2,407,000 | 5,081,000 | 7,623,000 | 10,271,000 |
| Noninterest expense | 7,054,000 | 14,219,000 | 20,881,000 | 27,862,000 |
| Provision for loan losses | 646,000 | 1,111,000 | 1,537,000 | 2,173,000 |
| Pretax income | -2,524,000 | -5,111,000 | -7,642,000 | -10,697,000 |
| Income tax | 0 | 0 | 0 | -4,233,000 |
| Net income | -2,524,000 | -5,111,000 | -7,642,000 | -6,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,737,000 | 49,650,000 | 50,619,000 | 55,796,000 |
| Total capital | 52,951,000 | 53,763,000 | 54,593,000 | 59,557,000 |
| Risk-weighted assets | 335,971,000 | 328,065,000 | 317,070,000 | 300,160,000 |