Call reports 2010
ATHOL SAVINGS BANK — 2010
What ATHOL SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 324,710,000 | 326,460,000 | 330,426,000 | 325,704,000 |
| Total loans | 173,331,000 | 172,141,000 | 173,151,000 | 172,656,000 |
| Allowance for loan losses | 2,093,000 | 2,111,000 | 2,170,000 | 2,061,000 |
| Securities available for sale | 103,217,000 | 107,786,000 | 110,026,000 | 113,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,547,000 | 274,094,000 | 277,462,000 | 275,058,000 |
| Interest-bearing deposits | 244,954,000 | 247,267,000 | 250,482,000 | 247,319,000 |
| Noninterest-bearing deposits | 25,593,000 | 26,827,000 | 26,980,000 | 27,739,000 |
| Equity capital | 39,183,000 | 40,210,000 | 40,942,000 | 40,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,396,000 | 6,712,000 | 9,880,000 | 12,963,000 |
| Interest expense | 904,000 | 1,765,000 | 2,537,000 | 3,220,000 |
| Net interest income | 2,492,000 | 4,947,000 | 7,343,000 | 9,743,000 |
| Noninterest income | 728,000 | 1,539,000 | 2,380,000 | 3,206,000 |
| Noninterest expense | 2,430,000 | 4,821,000 | 7,252,000 | 9,724,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 757,000 | 1,566,000 | 2,297,000 | 2,976,000 |
| Income tax | 260,000 | 526,000 | 758,000 | 957,000 |
| Net income | 497,000 | 1,040,000 | 1,539,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,164,000 | 38,540,000 | 39,206,000 | 39,686,000 |
| Total capital | 40,328,000 | 40,600,000 | 41,285,000 | 41,875,000 |
| Risk-weighted assets | 169,152,000 | 164,719,000 | 165,060,000 | 164,535,000 |