Call reports 2006
ATHOL SAVINGS BANK — 2006
What ATHOL SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 273,554,000 | 270,242,000 | 269,856,000 | 268,109,000 |
| Total loans | 185,373,000 | 185,815,000 | 186,858,000 | 186,039,000 |
| Allowance for loan losses | 2,298,000 | 2,284,000 | 2,286,000 | 2,288,000 |
| Securities available for sale | 62,697,000 | 61,855,000 | 58,911,000 | 59,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,836,000 | 232,271,000 | 230,823,000 | 228,436,000 |
| Interest-bearing deposits | 204,278,000 | 198,190,000 | 198,228,000 | 195,794,000 |
| Noninterest-bearing deposits | 31,558,000 | 34,081,000 | 32,595,000 | 32,642,000 |
| Equity capital | 31,556,000 | 32,057,000 | 33,145,000 | 33,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,316,000 | 6,740,000 | 10,260,000 | 13,826,000 |
| Interest expense | 947,000 | 2,061,000 | 3,307,000 | 4,639,000 |
| Net interest income | 2,369,000 | 4,679,000 | 6,953,000 | 9,187,000 |
| Noninterest income | 359,000 | 1,028,000 | 1,716,000 | 2,369,000 |
| Noninterest expense | 2,131,000 | 4,263,000 | 6,452,000 | 8,695,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 672,000 | 1,517,000 | 2,195,000 | 2,844,000 |
| Income tax | 217,000 | 480,000 | 701,000 | 897,000 |
| Net income | 455,000 | 1,037,000 | 1,494,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,731,000 | 32,313,000 | 32,770,000 | 32,976,000 |
| Total capital | 34,072,000 | 34,656,000 | 35,186,000 | 35,484,000 |
| Risk-weighted assets | 156,661,000 | 155,730,000 | 154,527,000 | 154,453,000 |