Call reports 2014
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2014
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 97,565,000 | 95,930,000 | 97,026,000 | 95,245,000 |
| Total loans | 73,429,000 | 73,673,000 | 74,660,000 | 77,071,000 |
| Allowance for loan losses | 692,000 | 648,000 | 630,000 | 642,000 |
| Securities available for sale | 4,922,000 | 11,052,000 | 14,102,000 | 11,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,156,000 | 84,455,000 | 85,426,000 | 83,504,000 |
| Interest-bearing deposits | 85,224,000 | 83,774,000 | 84,746,000 | 82,772,000 |
| Noninterest-bearing deposits | 932,000 | 681,000 | 680,000 | 732,000 |
| Equity capital | 11,316,000 | 11,373,000 | 11,471,000 | 11,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,848,000 | 2,794,000 | 3,750,000 |
| Interest expense | 170,000 | 337,000 | 512,000 | 687,000 |
| Net interest income | 754,000 | 1,511,000 | 2,282,000 | 3,063,000 |
| Noninterest income | 42,000 | 46,000 | 108,000 | 163,000 |
| Noninterest expense | 552,000 | 1,191,000 | 1,765,000 | 2,434,000 |
| Provision for loan losses | 9,000 | 56,000 | 139,000 | 178,000 |
| Pretax income | 235,000 | 310,000 | 486,000 | 614,000 |
| Income tax | 83,000 | 111,000 | 174,000 | 206,000 |
| Net income | 152,000 | 199,000 | 312,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,331,000 | 11,378,000 | 11,492,000 | 11,588,000 |
| Total capital | 11,948,000 | 12,022,000 | 12,122,000 | 12,230,000 |
| Risk-weighted assets | 51,115,000 | 53,490,000 | 54,664,000 | 54,989,000 |