Call reports 2021
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2021
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 160,571,000 | 165,106,000 | 168,567,000 | 176,716,000 |
| Total loans | 109,132,000 | 114,216,000 | 117,462,000 | 116,027,000 |
| Allowance for loan losses | 485,000 | 524,000 | 559,000 | 530,000 |
| Securities available for sale | 27,788,000 | 28,636,000 | 26,086,000 | 38,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,190,000 | 145,616,000 | 148,862,000 | 157,061,000 |
| Interest-bearing deposits | 139,762,000 | 142,866,000 | 145,165,000 | 154,867,000 |
| Noninterest-bearing deposits | 2,428,000 | 2,750,000 | 3,697,000 | 2,194,000 |
| Equity capital | 16,330,000 | 16,761,000 | 16,950,000 | 16,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,421,000 | 2,850,000 | 4,199,000 | 5,511,000 |
| Interest expense | 360,000 | 709,000 | 1,042,000 | 1,384,000 |
| Net interest income | 1,061,000 | 2,141,000 | 3,157,000 | 4,127,000 |
| Noninterest income | 71,000 | 155,000 | 220,000 | 294,000 |
| Noninterest expense | 750,000 | 1,508,000 | 2,313,000 | 3,128,000 |
| Provision for loan losses | 5,000 | 45,000 | 142,000 | 142,000 |
| Pretax income | 377,000 | 853,000 | 1,114,000 | 1,342,000 |
| Income tax | 83,000 | 188,000 | 219,000 | 250,000 |
| Net income | 294,000 | 665,000 | 895,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,146,000 | 16,518,000 | 16,748,000 | 16,944,000 |
| Total capital | 16,631,000 | 17,042,000 | 17,307,000 | 17,474,000 |
| Risk-weighted assets | 99,802,000 | 100,730,000 | 106,189,000 | 104,335,000 |