Call reports 2009
ATHOL SAVINGS BANK — 2009
What ATHOL SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 301,864,000 | 313,515,000 | 316,516,000 | 318,226,000 |
| Total loans | 182,098,000 | 179,779,000 | 178,452,000 | 175,365,000 |
| Allowance for loan losses | 2,401,000 | 2,411,000 | 2,465,000 | 2,525,000 |
| Securities available for sale | 90,343,000 | 96,946,000 | 108,002,000 | 114,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,066,000 | 261,321,000 | 263,111,000 | 265,172,000 |
| Interest-bearing deposits | 225,752,000 | 235,635,000 | 237,300,000 | 239,665,000 |
| Noninterest-bearing deposits | 24,314,000 | 25,686,000 | 25,811,000 | 25,507,000 |
| Equity capital | 37,385,000 | 37,166,000 | 38,242,000 | 38,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,662,000 | 7,364,000 | 10,862,000 | 14,363,000 |
| Interest expense | 1,315,000 | 2,652,000 | 3,896,000 | 4,985,000 |
| Net interest income | 2,347,000 | 4,712,000 | 6,966,000 | 9,378,000 |
| Noninterest income | 721,000 | 1,524,000 | 2,351,000 | 3,184,000 |
| Noninterest expense | 2,427,000 | 5,062,000 | 7,499,000 | 9,997,000 |
| Provision for loan losses | 45,000 | 105,000 | 180,000 | 255,000 |
| Pretax income | 596,000 | 1,038,000 | 1,615,000 | 2,296,000 |
| Income tax | 188,000 | 322,000 | 506,000 | 723,000 |
| Net income | 408,000 | 716,000 | 1,109,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,801,000 | 36,452,000 | 37,139,000 | 37,666,000 |
| Total capital | 37,907,000 | 38,554,000 | 39,256,000 | 39,788,000 |
| Risk-weighted assets | 168,211,000 | 167,871,000 | 168,997,000 | 168,891,000 |