Call reports 2013
ATHOL SAVINGS BANK — 2013
What ATHOL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 339,907,000 | 336,240,000 | 344,204,000 | 335,723,000 |
| Total loans | 185,704,000 | 188,224,000 | 186,930,000 | 186,238,000 |
| Allowance for loan losses | 2,021,000 | 2,127,000 | 2,116,000 | 2,195,000 |
| Securities available for sale | 111,107,000 | 115,790,000 | 122,656,000 | 118,677,000 |
| Securities held to maturity | 0 | 0 | 1,037,000 | 5,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,865,000 | 287,969,000 | 283,167,000 | 277,598,000 |
| Interest-bearing deposits | 252,049,000 | 256,014,000 | 251,062,000 | 246,526,000 |
| Noninterest-bearing deposits | 32,816,000 | 31,955,000 | 32,105,000 | 31,072,000 |
| Equity capital | 46,400,000 | 45,496,000 | 46,848,000 | 47,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,589,000 | 5,164,000 | 7,714,000 | 10,286,000 |
| Interest expense | 327,000 | 654,000 | 967,000 | 1,274,000 |
| Net interest income | 2,262,000 | 4,510,000 | 6,747,000 | 9,012,000 |
| Noninterest income | 826,000 | 1,712,000 | 2,671,000 | 3,538,000 |
| Noninterest expense | 2,525,000 | 5,067,000 | 7,571,000 | 10,070,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 513,000 | 1,210,000 | 1,854,000 | 2,447,000 |
| Income tax | 152,000 | 375,000 | 575,000 | 740,000 |
| Net income | 361,000 | 835,000 | 1,279,000 | 1,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,950,000 | 44,424,000 | 44,868,000 | 45,296,000 |
| Total capital | 46,662,000 | 47,206,000 | 47,731,000 | 48,485,000 |
| Risk-weighted assets | 176,975,000 | 171,850,000 | 174,479,000 | 173,110,000 |