Call reports 2022
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2022
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 172,820,000 | 176,966,000 | 179,520,000 | 185,569,000 |
| Total loans | 116,977,000 | 118,848,000 | 122,315,000 | 123,871,000 |
| Allowance for loan losses | 518,000 | 432,000 | 402,000 | 402,000 |
| Securities available for sale | 44,114,000 | 47,940,000 | 48,111,000 | 52,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,916,000 | 160,168,000 | 163,392,000 | 165,554,000 |
| Interest-bearing deposits | 152,486,000 | 158,063,000 | 159,389,000 | 161,808,000 |
| Noninterest-bearing deposits | 2,430,000 | 2,105,000 | 4,003,000 | 3,746,000 |
| Equity capital | 15,360,000 | 14,544,000 | 13,788,000 | 15,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,820,000 | 4,366,000 | 6,017,000 |
| Interest expense | 321,000 | 641,000 | 984,000 | 1,426,000 |
| Net interest income | 1,056,000 | 2,179,000 | 3,382,000 | 4,591,000 |
| Noninterest income | 100,000 | 236,000 | 357,000 | 451,000 |
| Noninterest expense | 815,000 | 1,594,000 | 2,443,000 | 3,320,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 341,000 | 821,000 | 1,296,000 | 1,722,000 |
| Income tax | 75,000 | 160,000 | 264,000 | 331,000 |
| Net income | 266,000 | 661,000 | 1,032,000 | 1,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,210,000 | 17,605,000 | 17,976,000 | 18,336,000 |
| Total capital | 17,728,000 | 18,037,000 | 18,378,000 | 18,738,000 |
| Risk-weighted assets | 102,643,000 | 102,411,000 | 104,826,000 | 105,181,000 |