Call reports 2015
AMERICAN LOAN AND SAVINGS ASSOCIATION — 2015
What AMERICAN LOAN AND SAVINGS ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 4,779,000 | 4,692,000 | 4,620,000 | 4,420,000 |
| Total loans | 3,706,000 | 3,717,000 | 3,657,000 | 3,604,000 |
| Allowance for loan losses | 34,000 | 34,000 | 35,000 | 36,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,220,000 | 4,158,000 | 4,109,000 | 3,947,000 |
| Interest-bearing deposits | 4,193,000 | 4,128,000 | 4,075,000 | 3,933,000 |
| Noninterest-bearing deposits | 27,000 | 30,000 | 34,000 | 14,000 |
| Equity capital | 548,000 | 524,000 | 496,000 | 466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 42,000 | 85,000 | 126,000 | 168,000 |
| Interest expense | 4,000 | 8,000 | 11,000 | 16,000 |
| Net interest income | 38,000 | 77,000 | 115,000 | 152,000 |
| Noninterest income | 0 | 1,000 | 1,000 | 0 |
| Noninterest expense | 80,000 | 144,000 | 209,000 | 274,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 3,000 |
| Pretax income | -43,000 | -67,000 | -95,000 | -125,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -43,000 | -67,000 | -95,000 | -125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 531,000 | 507,000 | 479,000 | 449,000 |
| Total capital | 557,000 | 534,000 | 506,000 | 475,000 |
| Risk-weighted assets | 2,128,000 | 2,158,000 | 2,129,000 | 2,101,000 |