Call reports 2012
ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION — 2012
What ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 293,657,000 | 293,137,000 | 292,583,000 | 291,419,000 |
| Total loans | 212,727,000 | 216,656,000 | 219,162,000 | 221,750,000 |
| Allowance for loan losses | 4,068,000 | 4,219,000 | 4,487,000 | 4,475,000 |
| Securities available for sale | 36,900,000 | 35,362,000 | 32,610,000 | 32,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,720,000 | 239,855,000 | 238,165,000 | 239,816,000 |
| Interest-bearing deposits | 219,488,000 | 218,338,000 | 219,344,000 | 218,608,000 |
| Noninterest-bearing deposits | 22,232,000 | 21,517,000 | 18,821,000 | 21,208,000 |
| Equity capital | 41,277,000 | 42,209,000 | 43,017,000 | 39,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,753,000 | 7,480,000 | 11,265,000 | 15,084,000 |
| Interest expense | 725,000 | 1,417,000 | 2,086,000 | 2,729,000 |
| Net interest income | 3,028,000 | 6,063,000 | 9,179,000 | 12,355,000 |
| Noninterest income | 1,068,000 | 2,163,000 | 3,449,000 | 4,753,000 |
| Noninterest expense | 2,824,000 | 5,586,000 | 8,419,000 | 11,460,000 |
| Provision for loan losses | 86,000 | 206,000 | 606,000 | 1,080,000 |
| Pretax income | 1,186,000 | 2,434,000 | 3,603,000 | 4,568,000 |
| Income tax | 571,000 | 1,026,000 | 1,402,000 | 1,725,000 |
| Net income | 615,000 | 1,408,000 | 2,201,000 | 2,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,500,000 | 41,322,000 | 42,143,000 | 39,034,000 |
| Total capital | 43,016,000 | 43,723,000 | 44,591,000 | 41,490,000 |
| Risk-weighted assets | 199,701,000 | 190,266,000 | 193,862,000 | 194,487,000 |