Call reports 2002
ATHOL SAVINGS BANK — 2002
What ATHOL SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 225,267,000 | 229,445,000 | 232,712,000 | 233,622,000 |
| Total loans | 134,202,000 | 137,647,000 | 139,537,000 | 146,941,000 |
| Allowance for loan losses | 1,948,000 | 2,006,000 | 2,067,000 | 2,094,000 |
| Securities available for sale | 65,771,000 | 65,709,000 | 67,470,000 | 66,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,418,000 | 197,368,000 | 200,458,000 | 200,457,000 |
| Interest-bearing deposits | 172,981,000 | 175,813,000 | 177,207,000 | 178,859,000 |
| Noninterest-bearing deposits | 20,437,000 | 21,555,000 | 23,251,000 | 21,598,000 |
| Equity capital | 26,312,000 | 26,968,000 | 26,897,000 | 27,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,300,000 | 6,513,000 | 9,726,000 | 12,923,000 |
| Interest expense | 1,199,000 | 2,319,000 | 3,421,000 | 4,482,000 |
| Net interest income | 2,101,000 | 4,194,000 | 6,305,000 | 8,441,000 |
| Noninterest income | 272,000 | 566,000 | 869,000 | 1,203,000 |
| Noninterest expense | 1,742,000 | 3,536,000 | 5,335,000 | 7,162,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 691,000 | 1,225,000 | 1,827,000 | 2,410,000 |
| Income tax | 196,000 | 329,000 | 492,000 | 645,000 |
| Net income | 495,000 | 896,000 | 1,335,000 | 1,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,640,000 | 25,061,000 | 25,521,000 | 25,971,000 |
| Total capital | 27,251,000 | 27,414,000 | 27,392,000 | 28,057,000 |
| Risk-weighted assets | 134,343,000 | 135,579,000 | 137,592,000 | 140,993,000 |