Call reports 2023
AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION — 2023
What AROOSTOOK COUNTY FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 189,487,000 | 185,445,000 | 181,231,000 | 188,129,000 |
| Total loans | 126,278,000 | 130,074,000 | 132,637,000 | 133,847,000 |
| Allowance for loan losses | 953,000 | 945,000 | 948,000 | 892,000 |
| Securities available for sale | 52,341,000 | 43,123,000 | 42,173,000 | 42,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,950,000 | 165,388,000 | 161,163,000 | 163,831,000 |
| Interest-bearing deposits | 159,208,000 | 162,950,000 | 158,409,000 | 160,520,000 |
| Noninterest-bearing deposits | 4,742,000 | 2,438,000 | 2,754,000 | 3,311,000 |
| Equity capital | 16,226,000 | 15,742,000 | 15,641,000 | 16,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,587,000 | 5,524,000 | 7,501,000 |
| Interest expense | 609,000 | 1,428,000 | 2,274,000 | 3,292,000 |
| Net interest income | 1,119,000 | 2,159,000 | 3,250,000 | 4,209,000 |
| Noninterest income | 95,000 | 185,000 | 273,000 | 384,000 |
| Noninterest expense | 805,000 | 1,676,000 | 2,474,000 | 3,436,000 |
| Provision for loan losses | -14,000 | -14,000 | -10,000 | -65,000 |
| Pretax income | 423,000 | 682,000 | 1,059,000 | 1,225,000 |
| Income tax | 90,000 | 128,000 | 211,000 | 238,000 |
| Net income | 333,000 | 554,000 | 848,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,221,000 | 18,443,000 | 18,737,000 | 18,876,000 |
| Total capital | 19,174,000 | 19,388,000 | 19,685,000 | 19,768,000 |
| Risk-weighted assets | 107,060,000 | 109,820,000 | 109,500,000 | 110,882,000 |