Call reports 2015
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2015
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,434,000 | 102,635,000 | 106,059,000 | 108,320,000 |
| Total loans | 77,520,000 | 81,293,000 | 83,115,000 | 84,087,000 |
| Allowance for loan losses | 642,000 | 570,000 | 615,000 | 585,000 |
| Securities available for sale | 10,056,000 | 15,135,000 | 11,897,000 | 12,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,569,000 | 88,951,000 | 92,437,000 | 94,600,000 |
| Interest-bearing deposits | 82,114,000 | 88,231,000 | 91,462,000 | 93,948,000 |
| Noninterest-bearing deposits | 455,000 | 720,000 | 975,000 | 652,000 |
| Equity capital | 11,769,000 | 11,808,000 | 12,012,000 | 12,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 1,899,000 | 2,902,000 | 3,909,000 |
| Interest expense | 159,000 | 331,000 | 539,000 | 756,000 |
| Net interest income | 793,000 | 1,568,000 | 2,363,000 | 3,153,000 |
| Noninterest income | 46,000 | 108,000 | 150,000 | 198,000 |
| Noninterest expense | 657,000 | 1,286,000 | 1,876,000 | 2,545,000 |
| Provision for loan losses | 0 | 60,000 | 134,000 | 170,000 |
| Pretax income | 206,000 | 347,000 | 558,000 | 698,000 |
| Income tax | 71,000 | 94,000 | 168,000 | 208,000 |
| Net income | 135,000 | 253,000 | 390,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,723,000 | 11,840,000 | 11,978,000 | 12,078,000 |
| Total capital | 12,365,000 | 12,410,000 | 12,593,000 | 12,663,000 |
| Risk-weighted assets | 53,160,000 | 58,853,000 | 64,670,000 | 65,105,000 |