Call reports 2008
ATHOL SAVINGS BANK — 2008
What ATHOL SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 273,251,000 | 291,530,000 | 292,676,000 | 293,307,000 |
| Total loans | 184,481,000 | 185,175,000 | 184,696,000 | 182,225,000 |
| Allowance for loan losses | 2,301,000 | 2,311,000 | 2,343,000 | 2,371,000 |
| Securities available for sale | 64,696,000 | 85,294,000 | 76,717,000 | 87,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,914,000 | 234,911,000 | 238,806,000 | 239,897,000 |
| Interest-bearing deposits | 203,702,000 | 205,403,000 | 213,396,000 | 215,786,000 |
| Noninterest-bearing deposits | 27,212,000 | 29,508,000 | 25,410,000 | 24,111,000 |
| Equity capital | 36,193,000 | 35,704,000 | 35,321,000 | 36,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,550,000 | 7,221,000 | 10,992,000 | 14,747,000 |
| Interest expense | 1,490,000 | 2,875,000 | 4,128,000 | 5,462,000 |
| Net interest income | 2,060,000 | 4,346,000 | 6,864,000 | 9,285,000 |
| Noninterest income | 685,000 | 1,392,000 | 2,105,000 | 2,841,000 |
| Noninterest expense | 2,341,000 | 4,590,000 | 6,863,000 | 9,145,000 |
| Provision for loan losses | 15,000 | 30,000 | 75,000 | 120,000 |
| Pretax income | 526,000 | 1,212,000 | 894,000 | 1,776,000 |
| Income tax | 135,000 | 332,000 | 207,000 | 512,000 |
| Net income | 391,000 | 880,000 | 687,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,221,000 | 35,710,000 | 35,517,000 | 35,584,000 |
| Total capital | 37,512,000 | 37,898,000 | 37,594,000 | 37,697,000 |
| Risk-weighted assets | 158,689,000 | 162,119,000 | 162,830,000 | 168,754,000 |