Call reports 2013
ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION — 2013
What ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 295,321,000 | 298,523,000 | 295,510,000 | 294,674,000 |
| Total loans | 219,848,000 | 218,932,000 | 226,739,000 | 230,638,000 |
| Allowance for loan losses | 4,550,000 | 4,517,000 | 4,476,000 | 4,432,000 |
| Securities available for sale | 27,939,000 | 31,475,000 | 30,281,000 | 31,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,203,000 | 247,071,000 | 257,064,000 | 255,340,000 |
| Interest-bearing deposits | 222,711,000 | 227,923,000 | 239,031,000 | 237,087,000 |
| Noninterest-bearing deposits | 21,492,000 | 19,148,000 | 18,033,000 | 18,253,000 |
| Equity capital | 40,396,000 | 40,829,000 | 31,216,000 | 32,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,659,000 | 7,185,000 | 10,706,000 | 14,269,000 |
| Interest expense | 589,000 | 1,148,000 | 1,688,000 | 2,212,000 |
| Net interest income | 3,070,000 | 6,037,000 | 9,018,000 | 12,057,000 |
| Noninterest income | 1,102,000 | 2,330,000 | 3,401,000 | 4,526,000 |
| Noninterest expense | 3,112,000 | 6,201,000 | 9,400,000 | 12,580,000 |
| Provision for loan losses | 135,000 | 208,000 | 282,000 | 316,000 |
| Pretax income | 925,000 | 1,958,000 | 2,737,000 | 3,687,000 |
| Income tax | 325,000 | 648,000 | 881,000 | 1,185,000 |
| Net income | 600,000 | 1,310,000 | 1,856,000 | 2,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,662,000 | 40,399,000 | 30,973,000 | 31,915,000 |
| Total capital | 42,079,000 | 42,851,000 | 33,507,000 | 34,472,000 |
| Risk-weighted assets | 191,215,000 | 194,080,000 | 200,740,000 | 202,706,000 |
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