Call reports 2011
ATHOL SAVINGS BANK — 2011
What ATHOL SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 325,447,000 | 328,007,000 | 337,126,000 | 327,398,000 |
| Total loans | 171,272,000 | 168,537,000 | 169,162,000 | 174,856,000 |
| Allowance for loan losses | 1,945,000 | 2,005,000 | 2,045,000 | 1,746,000 |
| Securities available for sale | 110,532,000 | 108,962,000 | 101,822,000 | 119,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,126,000 | 279,180,000 | 279,645,000 | 277,217,000 |
| Interest-bearing deposits | 247,262,000 | 250,560,000 | 251,352,000 | 250,034,000 |
| Noninterest-bearing deposits | 27,864,000 | 28,620,000 | 28,293,000 | 27,183,000 |
| Equity capital | 41,318,000 | 42,389,000 | 43,187,000 | 43,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,032,000 | 6,038,000 | 8,994,000 | 11,955,000 |
| Interest expense | 581,000 | 1,141,000 | 1,659,000 | 2,145,000 |
| Net interest income | 2,451,000 | 4,897,000 | 7,335,000 | 9,810,000 |
| Noninterest income | 762,000 | 1,614,000 | 2,428,000 | 3,287,000 |
| Noninterest expense | 2,558,000 | 5,081,000 | 7,552,000 | 10,126,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 315,000 |
| Pretax income | 567,000 | 1,333,000 | 2,062,000 | 2,732,000 |
| Income tax | 156,000 | 407,000 | 643,000 | 855,000 |
| Net income | 411,000 | 926,000 | 1,419,000 | 1,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,097,000 | 40,612,000 | 41,070,000 | 41,563,000 |
| Total capital | 42,304,000 | 42,876,000 | 43,115,000 | 43,488,000 |
| Risk-weighted assets | 162,779,000 | 162,364,000 | 167,300,000 | 165,285,000 |