Call reports 2012
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,725,000 | 98,271,000 | 98,103,000 | 100,458,000 |
| Total loans | 77,843,000 | 76,962,000 | 75,958,000 | 75,488,000 |
| Allowance for loan losses | 711,000 | 640,000 | 555,000 | 454,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,329,000 | 87,673,000 | 87,162,000 | 89,371,000 |
| Interest-bearing deposits | 87,052,000 | 87,419,000 | 86,700,000 | 88,663,000 |
| Noninterest-bearing deposits | 277,000 | 254,000 | 462,000 | 708,000 |
| Equity capital | 10,234,000 | 10,379,000 | 10,610,000 | 10,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,164,000 | 3,209,000 | 4,218,000 |
| Interest expense | 262,000 | 508,000 | 731,000 | 934,000 |
| Net interest income | 839,000 | 1,656,000 | 2,478,000 | 3,284,000 |
| Noninterest income | 31,000 | 86,000 | 167,000 | 245,000 |
| Noninterest expense | 541,000 | 1,131,000 | 1,737,000 | 2,348,000 |
| Provision for loan losses | 67,000 | 126,000 | 68,000 | 91,000 |
| Pretax income | 262,000 | 485,000 | 840,000 | 1,090,000 |
| Income tax | 91,000 | 170,000 | 293,000 | 351,000 |
| Net income | 171,000 | 315,000 | 547,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,234,000 | 10,379,000 | 10,610,000 | 10,802,000 |
| Total capital | 10,892,000 | 11,019,000 | 11,165,000 | 11,256,000 |
| Risk-weighted assets | 52,598,000 | 52,566,000 | 51,685,000 | 51,937,000 |