Call reports 2007
ATHOL SAVINGS BANK — 2007
What ATHOL SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 268,766,000 | 266,931,000 | 264,401,000 | 263,007,000 |
| Total loans | 185,491,000 | 185,707,000 | 185,666,000 | 183,674,000 |
| Allowance for loan losses | 2,331,000 | 2,324,000 | 2,311,000 | 2,309,000 |
| Securities available for sale | 59,867,000 | 55,884,000 | 54,736,000 | 59,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,886,000 | 228,111,000 | 224,758,000 | 220,728,000 |
| Interest-bearing deposits | 191,095,000 | 195,521,000 | 195,144,000 | 193,234,000 |
| Noninterest-bearing deposits | 31,791,000 | 32,590,000 | 29,614,000 | 27,494,000 |
| Equity capital | 34,137,000 | 34,372,000 | 35,166,000 | 35,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,512,000 | 7,005,000 | 10,555,000 | 14,132,000 |
| Interest expense | 1,395,000 | 2,785,000 | 4,233,000 | 5,655,000 |
| Net interest income | 2,117,000 | 4,220,000 | 6,322,000 | 8,477,000 |
| Noninterest income | 560,000 | 1,207,000 | 1,887,000 | 2,621,000 |
| Noninterest expense | 2,291,000 | 4,604,000 | 6,882,000 | 9,164,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 486,000 | 1,123,000 | 1,648,000 | 2,254,000 |
| Income tax | 128,000 | 319,000 | 469,000 | 647,000 |
| Net income | 358,000 | 804,000 | 1,179,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,334,000 | 33,780,000 | 34,103,000 | 34,830,000 |
| Total capital | 35,806,000 | 36,244,000 | 36,642,000 | 37,306,000 |
| Risk-weighted assets | 154,428,000 | 154,340,000 | 155,975,000 | 156,509,000 |