Call reports 2020
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2020
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 139,369,000 | 148,105,000 | 149,093,000 | 161,670,000 |
| Total loans | 109,561,000 | 112,698,000 | 111,951,000 | 107,621,000 |
| Allowance for loan losses | 511,000 | 498,000 | 494,000 | 479,000 |
| Securities available for sale | 16,448,000 | 19,266,000 | 21,878,000 | 21,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,424,000 | 130,056,000 | 130,744,000 | 142,976,000 |
| Interest-bearing deposits | 121,167,000 | 128,018,000 | 128,851,000 | 140,902,000 |
| Noninterest-bearing deposits | 1,257,000 | 2,038,000 | 1,893,000 | 2,074,000 |
| Equity capital | 14,701,000 | 16,025,000 | 16,270,000 | 16,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 3,052,000 | 4,449,000 | 5,818,000 |
| Interest expense | 509,000 | 979,000 | 1,412,000 | 1,815,000 |
| Net interest income | 936,000 | 2,073,000 | 3,037,000 | 4,003,000 |
| Noninterest income | 104,000 | 165,000 | 246,000 | 291,000 |
| Noninterest expense | 770,000 | 1,470,000 | 2,315,000 | 3,068,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 341,000 | 839,000 | 1,055,000 | 1,303,000 |
| Income tax | 75,000 | 163,000 | 190,000 | 204,000 |
| Net income | 266,000 | 676,000 | 865,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,019,000 | 15,429,000 | 15,619,000 | 15,852,000 |
| Total capital | 15,530,000 | 15,927,000 | 16,113,000 | 16,331,000 |
| Risk-weighted assets | 88,566,000 | 95,143,000 | 98,674,000 | 98,290,000 |