Call reports 2012
ATHOL SAVINGS BANK — 2012
What ATHOL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 333,989,000 | 333,144,000 | 327,992,000 | 329,495,000 |
| Total loans | 177,110,000 | 179,267,000 | 185,057,000 | 185,336,000 |
| Allowance for loan losses | 1,809,000 | 1,770,000 | 1,869,000 | 1,960,000 |
| Securities available for sale | 126,419,000 | 119,573,000 | 116,757,000 | 105,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,187,000 | 284,460,000 | 278,431,000 | 279,956,000 |
| Interest-bearing deposits | 254,135,000 | 254,180,000 | 247,666,000 | 250,079,000 |
| Noninterest-bearing deposits | 29,052,000 | 30,280,000 | 30,765,000 | 29,877,000 |
| Equity capital | 44,443,000 | 44,973,000 | 45,774,000 | 45,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,975,000 | 5,938,000 | 8,829,000 | 11,613,000 |
| Interest expense | 464,000 | 904,000 | 1,272,000 | 1,623,000 |
| Net interest income | 2,511,000 | 5,034,000 | 7,557,000 | 9,990,000 |
| Noninterest income | 800,000 | 1,682,000 | 2,535,000 | 3,471,000 |
| Noninterest expense | 2,535,000 | 5,143,000 | 7,575,000 | 10,048,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 686,000 | 1,373,000 | 2,210,000 | 2,986,000 |
| Income tax | 217,000 | 433,000 | 711,000 | 960,000 |
| Net income | 469,000 | 940,000 | 1,499,000 | 2,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,032,000 | 42,503,000 | 43,062,000 | 43,589,000 |
| Total capital | 44,147,000 | 44,520,000 | 45,234,000 | 45,878,000 |
| Risk-weighted assets | 168,763,000 | 168,905,000 | 171,054,000 | 169,054,000 |