Call reports 2019
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2019
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 129,240,000 | 130,612,000 | 134,326,000 | 141,530,000 |
| Total loans | 102,853,000 | 104,869,000 | 107,322,000 | 109,212,000 |
| Allowance for loan losses | 599,000 | 607,000 | 607,000 | 511,000 |
| Securities available for sale | 16,291,000 | 16,480,000 | 16,436,000 | 15,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,526,000 | 113,818,000 | 117,265,000 | 124,284,000 |
| Interest-bearing deposits | 106,958,000 | 112,569,000 | 115,683,000 | 123,100,000 |
| Noninterest-bearing deposits | 2,568,000 | 1,249,000 | 1,582,000 | 1,184,000 |
| Equity capital | 14,065,000 | 14,520,000 | 14,814,000 | 14,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,338,000 | 2,711,000 | 4,160,000 | 5,591,000 |
| Interest expense | 434,000 | 896,000 | 1,375,000 | 1,893,000 |
| Net interest income | 904,000 | 1,815,000 | 2,785,000 | 3,698,000 |
| Noninterest income | 60,000 | 138,000 | 184,000 | 241,000 |
| Noninterest expense | 786,000 | 1,531,000 | 2,297,000 | 3,032,000 |
| Provision for loan losses | 56,000 | 140,000 | 140,000 | 141,000 |
| Pretax income | 122,000 | 282,000 | 532,000 | 766,000 |
| Income tax | 27,000 | 62,000 | 117,000 | 83,000 |
| Net income | 95,000 | 220,000 | 415,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,165,000 | 14,290,000 | 14,485,000 | 14,753,000 |
| Total capital | 14,764,000 | 14,897,000 | 15,092,000 | 15,264,000 |
| Risk-weighted assets | 81,279,000 | 82,287,000 | 84,511,000 | 87,496,000 |