Call reports 2005
ATHOL SAVINGS BANK — 2005
What ATHOL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 260,136,000 | 265,753,000 | 272,371,000 | 269,562,000 |
| Total loans | 170,333,000 | 174,461,000 | 177,953,000 | 181,748,000 |
| Allowance for loan losses | 2,261,000 | 2,276,000 | 2,294,000 | 2,289,000 |
| Securities available for sale | 57,738,000 | 60,065,000 | 62,106,000 | 61,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,304,000 | 229,135,000 | 235,867,000 | 232,357,000 |
| Interest-bearing deposits | 194,278,000 | 196,185,000 | 201,403,000 | 199,346,000 |
| Noninterest-bearing deposits | 30,026,000 | 32,950,000 | 34,464,000 | 33,011,000 |
| Equity capital | 30,058,000 | 30,646,000 | 30,802,000 | 31,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,967,000 | 6,055,000 | 9,234,000 | 12,532,000 |
| Interest expense | 737,000 | 1,519,000 | 2,364,000 | 3,276,000 |
| Net interest income | 2,230,000 | 4,536,000 | 6,870,000 | 9,256,000 |
| Noninterest income | 332,000 | 669,000 | 1,033,000 | 1,393,000 |
| Noninterest expense | 2,162,000 | 4,295,000 | 6,380,000 | 8,418,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 485,000 | 1,144,000 | 1,742,000 | 2,450,000 |
| Income tax | 133,000 | 338,000 | 517,000 | 741,000 |
| Net income | 352,000 | 806,000 | 1,225,000 | 1,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,919,000 | 30,373,000 | 30,792,000 | 31,276,000 |
| Total capital | 32,046,000 | 32,467,000 | 32,982,000 | 33,547,000 |
| Risk-weighted assets | 139,615,000 | 142,027,000 | 146,413,000 | 151,752,000 |