Call reports 2015
ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION — 2015
What ATHENS FEDERAL COMMUNITY BANK NATIONAL 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 | 309,480,000 | 307,762,000 | 314,164,000 | 323,518,000 |
| Total loans | 247,355,000 | 252,148,000 | 260,423,000 | 261,863,000 |
| Allowance for loan losses | 3,795,000 | 3,888,000 | 4,028,000 | 3,977,000 |
| Securities available for sale | 28,301,000 | 27,257,000 | 26,667,000 | 24,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,321,000 | 260,164,000 | 257,215,000 | 266,281,000 |
| Interest-bearing deposits | 236,897,000 | 233,380,000 | 230,181,000 | 238,749,000 |
| Noninterest-bearing deposits | 24,424,000 | 26,784,000 | 27,034,000 | 27,532,000 |
| Equity capital | 36,515,000 | 37,213,000 | 38,316,000 | 39,527,000 |
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 | 3,570,000 | 7,204,000 | 10,873,000 | 14,635,000 |
| Interest expense | 422,000 | 810,000 | 1,136,000 | 1,467,000 |
| Net interest income | 3,148,000 | 6,394,000 | 9,737,000 | 13,168,000 |
| Noninterest income | 1,091,000 | 2,336,000 | 3,596,000 | 4,797,000 |
| Noninterest expense | 3,166,000 | 6,336,000 | 9,505,000 | 12,937,000 |
| Provision for loan losses | 106,000 | 202,000 | 250,000 | 304,000 |
| Pretax income | 967,000 | 2,192,000 | 3,578,000 | 4,724,000 |
| Income tax | 315,000 | 736,000 | 1,209,000 | 1,606,000 |
| Net income | 652,000 | 1,456,000 | 2,369,000 | 3,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,042,000 | 36,945,000 | 37,548,000 | 38,747,000 |
| Total capital | 38,885,000 | 39,842,000 | 40,525,000 | 41,725,000 |
| Risk-weighted assets | 226,524,000 | 230,774,000 | 237,071,000 | 237,261,000 |