Call reports 2001
ATHOL SAVINGS BANK — 2001
What ATHOL SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 196,366,000 | 204,015,000 | 214,098,000 | 218,678,000 |
| Total loans | 109,146,000 | 115,943,000 | 121,444,000 | 128,418,000 |
| Allowance for loan losses | 1,677,000 | 1,738,000 | 1,800,000 | 1,862,000 |
| Securities available for sale | 67,633,000 | 68,354,000 | 73,066,000 | 67,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,894,000 | 172,779,000 | 182,071,000 | 186,797,000 |
| Interest-bearing deposits | 149,465,000 | 152,728,000 | 162,905,000 | 167,757,000 |
| Noninterest-bearing deposits | 15,429,000 | 20,051,000 | 19,166,000 | 19,040,000 |
| Equity capital | 25,655,000 | 25,788,000 | 26,362,000 | 26,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,543,000 | 9,839,000 | 13,096,000 |
| Interest expense | 1,408,000 | 2,811,000 | 4,261,000 | 5,663,000 |
| Net interest income | 1,869,000 | 3,732,000 | 5,578,000 | 7,433,000 |
| Noninterest income | 200,000 | 415,000 | 624,000 | 919,000 |
| Noninterest expense | 1,557,000 | 3,112,000 | 4,747,000 | 6,414,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 720,000 | 1,227,000 | 1,693,000 | 2,116,000 |
| Income tax | 231,000 | 379,000 | 483,000 | 600,000 |
| Net income | 489,000 | 848,000 | 1,210,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,036,000 | 23,415,000 | 23,798,000 | 24,124,000 |
| Total capital | 25,934,000 | 26,393,000 | 26,443,000 | 26,804,000 |
| Risk-weighted assets | 116,023,000 | 124,182,000 | 131,446,000 | 131,288,000 |