Call reports 2003
ATHOL SAVINGS BANK — 2003
What ATHOL SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 240,244,000 | 248,338,000 | 255,380,000 | 257,895,000 |
| Total loans | 152,654,000 | 161,563,000 | 170,802,000 | 174,818,000 |
| Allowance for loan losses | 2,154,000 | 2,109,000 | 2,114,000 | 2,185,000 |
| Securities available for sale | 66,102,000 | 62,799,000 | 62,253,000 | 60,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,781,000 | 213,822,000 | 220,861,000 | 223,245,000 |
| Interest-bearing deposits | 183,865,000 | 186,339,000 | 192,295,000 | 194,883,000 |
| Noninterest-bearing deposits | 22,916,000 | 27,483,000 | 28,566,000 | 28,362,000 |
| Equity capital | 27,684,000 | 28,569,000 | 28,700,000 | 29,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,062,000 | 6,138,000 | 9,215,000 | 12,312,000 |
| Interest expense | 953,000 | 1,850,000 | 2,681,000 | 3,497,000 |
| Net interest income | 2,109,000 | 4,288,000 | 6,534,000 | 8,815,000 |
| Noninterest income | 321,000 | 705,000 | 1,065,000 | 1,424,000 |
| Noninterest expense | 1,993,000 | 3,967,000 | 6,026,000 | 8,133,000 |
| Provision for loan losses | 60,000 | 60,000 | 75,000 | 90,000 |
| Pretax income | 377,000 | 1,210,000 | 1,830,000 | 2,408,000 |
| Income tax | 84,000 | 349,000 | 536,000 | 699,000 |
| Net income | 293,000 | 861,000 | 1,294,000 | 1,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,284,000 | 26,873,000 | 27,326,000 | 27,757,000 |
| Total capital | 28,324,000 | 29,045,000 | 29,581,000 | 30,120,000 |
| Risk-weighted assets | 145,952,000 | 144,445,000 | 149,095,000 | 149,282,000 |