Call reports 2004
ATHOL SAVINGS BANK — 2004
What ATHOL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 255,288,000 | 259,590,000 | 261,866,000 | 261,038,000 |
| Total loans | 173,108,000 | 174,527,000 | 173,307,000 | 169,825,000 |
| Allowance for loan losses | 2,202,000 | 2,215,000 | 2,231,000 | 2,244,000 |
| Securities available for sale | 61,019,000 | 62,753,000 | 57,774,000 | 56,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,030,000 | 224,361,000 | 226,110,000 | 224,929,000 |
| Interest-bearing deposits | 192,925,000 | 196,387,000 | 195,828,000 | 195,146,000 |
| Noninterest-bearing deposits | 27,105,000 | 27,974,000 | 30,282,000 | 29,783,000 |
| Equity capital | 29,498,000 | 29,255,000 | 29,874,000 | 30,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,056,000 | 6,042,000 | 9,028,000 | 12,040,000 |
| Interest expense | 772,000 | 1,522,000 | 2,250,000 | 2,975,000 |
| Net interest income | 2,284,000 | 4,520,000 | 6,778,000 | 9,065,000 |
| Noninterest income | 306,000 | 639,000 | 1,003,000 | 1,346,000 |
| Noninterest expense | 2,001,000 | 4,000,000 | 6,014,000 | 8,036,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 583,000 | 1,377,000 | 1,990,000 | 2,583,000 |
| Income tax | 165,000 | 417,000 | 602,000 | 773,000 |
| Net income | 418,000 | 960,000 | 1,388,000 | 1,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,175,000 | 28,717,000 | 29,145,000 | 29,567,000 |
| Total capital | 30,551,000 | 31,021,000 | 31,362,000 | 31,787,000 |
| Risk-weighted assets | 147,454,000 | 152,327,000 | 145,915,000 | 139,549,000 |