Call reports 2013
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2013
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 98,208,000 | 97,140,000 | 98,055,000 | 99,827,000 |
| Total loans | 74,347,000 | 73,085,000 | 72,718,000 | 73,618,000 |
| Allowance for loan losses | 565,000 | 736,000 | 649,000 | 691,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,276,000 | 86,124,000 | 86,861,000 | 88,502,000 |
| Interest-bearing deposits | 86,981,000 | 85,775,000 | 86,306,000 | 88,177,000 |
| Noninterest-bearing deposits | 295,000 | 349,000 | 555,000 | 325,000 |
| Equity capital | 10,901,000 | 10,909,000 | 11,060,000 | 11,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 993,000 | 1,959,000 | 2,904,000 | 3,827,000 |
| Interest expense | 187,000 | 367,000 | 543,000 | 724,000 |
| Net interest income | 806,000 | 1,592,000 | 2,361,000 | 3,103,000 |
| Noninterest income | 75,000 | 136,000 | 158,000 | 204,000 |
| Noninterest expense | 593,000 | 1,234,000 | 1,792,000 | 2,374,000 |
| Provision for loan losses | 135,000 | 326,000 | 326,000 | 387,000 |
| Pretax income | 153,000 | 168,000 | 401,000 | 546,000 |
| Income tax | 55,000 | 61,000 | 143,000 | 169,000 |
| Net income | 98,000 | 107,000 | 258,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,901,000 | 10,909,000 | 11,060,000 | 11,180,000 |
| Total capital | 11,466,000 | 11,519,000 | 11,670,000 | 11,804,000 |
| Risk-weighted assets | 51,489,000 | 50,450,000 | 50,555,000 | 51,699,000 |