Call reports 2018
ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION — 2018
What ATHENS FEDERAL COMMUNITY BANK NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Total assets | 482,009,000 | 473,796,000 | 466,162,000 |
| Total loans | 334,491,000 | 342,188,000 | 349,597,000 |
| Allowance for loan losses | 3,972,000 | 4,019,000 | 4,039,000 |
| Securities available for sale | 73,223,000 | 69,482,000 | 67,342,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 425,165,000 | 414,992,000 | 404,761,000 |
| Interest-bearing deposits | 364,715,000 | 354,615,000 | 346,925,000 |
| Noninterest-bearing deposits | 60,450,000 | 60,377,000 | 57,836,000 |
| Equity capital | 48,553,000 | 50,411,000 | 53,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Interest income | 5,139,000 | 10,683,000 | 16,146,000 |
| Interest expense | 459,000 | 945,000 | 1,439,000 |
| Net interest income | 4,680,000 | 9,738,000 | 14,707,000 |
| Noninterest income | 1,379,000 | 2,888,000 | 4,489,000 |
| Noninterest expense | 3,911,000 | 7,987,000 | 15,874,000 |
| Provision for loan losses | 26,000 | 90,000 | 146,000 |
| Pretax income | 2,122,000 | 4,549,000 | 3,176,000 |
| Income tax | 499,000 | 1,076,000 | 740,000 |
| Net income | 1,623,000 | 3,473,000 | 2,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Tier 1 capital | 45,670,000 | 47,564,000 | 51,283,000 |
| Total capital | 49,668,000 | 51,609,000 | 55,348,000 |
| Risk-weighted assets | 351,837,000 | 361,147,000 | 363,717,000 |
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