Call reports 2024
AUTO CLUB TRUST, FSB — 2024
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 494,825,000 | 484,462,000 | 504,526,000 | 496,491,000 |
| Total loans | 283,030,000 | 270,326,000 | 253,620,000 | 254,477,000 |
| Allowance for loan losses | 4,887,000 | 4,368,000 | 3,814,000 | 3,746,000 |
| Securities available for sale | 150,889,000 | 146,770,000 | 146,612,000 | 136,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,138,000 | 337,805,000 | 354,753,000 | 351,379,000 |
| Interest-bearing deposits | 339,701,000 | 332,791,000 | 349,955,000 | 346,663,000 |
| Noninterest-bearing deposits | 6,437,000 | 5,014,000 | 4,798,000 | 4,716,000 |
| Equity capital | 29,543,000 | 31,481,000 | 34,163,000 | 30,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,028,000 | 12,087,000 | 18,141,000 | 24,494,000 |
| Interest expense | 4,077,000 | 8,365,000 | 12,809,000 | 17,318,000 |
| Net interest income | 1,951,000 | 3,722,000 | 5,332,000 | 7,176,000 |
| Noninterest income | 2,486,000 | 5,057,000 | 4,078,000 | 6,472,000 |
| Noninterest expense | 7,495,000 | 14,967,000 | 22,754,000 | 28,497,000 |
| Provision for loan losses | 1,257,000 | 1,635,000 | 1,806,000 | 2,256,000 |
| Pretax income | -4,349,000 | -7,858,000 | -15,149,000 | -17,133,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -4,349,000 | -7,858,000 | -15,149,000 | -17,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,447,000 | 51,938,000 | 48,647,000 | 50,663,000 |
| Total capital | 55,691,000 | 55,912,000 | 52,303,000 | 54,388,000 |
| Risk-weighted assets | 338,886,000 | 317,528,000 | 292,347,000 | 297,945,000 |