Call reports 2016
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2016
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 106,860,000 | 108,215,000 | 113,671,000 | 115,730,000 |
| Total loans | 87,161,000 | 87,520,000 | 87,976,000 | 89,625,000 |
| Allowance for loan losses | 590,000 | 575,000 | 563,000 | 599,000 |
| Securities available for sale | 9,485,000 | 10,001,000 | 11,462,000 | 16,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,983,000 | 93,161,000 | 98,467,000 | 100,696,000 |
| Interest-bearing deposits | 91,577,000 | 92,303,000 | 97,657,000 | 99,766,000 |
| Noninterest-bearing deposits | 406,000 | 858,000 | 810,000 | 930,000 |
| Equity capital | 12,281,000 | 12,482,000 | 12,600,000 | 12,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 2,002,000 | 3,031,000 | 4,069,000 |
| Interest expense | 213,000 | 425,000 | 639,000 | 860,000 |
| Net interest income | 786,000 | 1,577,000 | 2,392,000 | 3,209,000 |
| Noninterest income | 47,000 | 112,000 | 159,000 | 211,000 |
| Noninterest expense | 628,000 | 1,263,000 | 1,912,000 | 2,593,000 |
| Provision for loan losses | 41,000 | 44,000 | 51,000 | 99,000 |
| Pretax income | 240,000 | 458,000 | 664,000 | 804,000 |
| Income tax | 84,000 | 146,000 | 218,000 | 229,000 |
| Net income | 156,000 | 312,000 | 446,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,234,000 | 12,391,000 | 12,524,000 | 12,653,000 |
| Total capital | 12,824,000 | 12,966,000 | 13,087,000 | 13,252,000 |
| Risk-weighted assets | 67,219,000 | 67,017,000 | 68,704,000 | 68,407,000 |