Call reports 2014
ATHOL SAVINGS BANK — 2014
What ATHOL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 334,975,000 | 335,570,000 | 340,337,000 | 349,601,000 |
| Total loans | 185,260,000 | 191,668,000 | 194,241,000 | 205,183,000 |
| Allowance for loan losses | 2,255,000 | 2,174,000 | 2,177,000 | 2,073,000 |
| Securities available for sale | 114,372,000 | 109,773,000 | 107,950,000 | 106,415,000 |
| Securities held to maturity | 7,060,000 | 9,594,000 | 9,576,000 | 10,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,841,000 | 281,027,000 | 279,884,000 | 279,757,000 |
| Interest-bearing deposits | 249,677,000 | 247,363,000 | 246,003,000 | 246,698,000 |
| Noninterest-bearing deposits | 32,164,000 | 33,664,000 | 33,881,000 | 33,059,000 |
| Equity capital | 47,851,000 | 49,084,000 | 49,020,000 | 50,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 5,041,000 | 7,680,000 | 10,332,000 |
| Interest expense | 288,000 | 578,000 | 875,000 | 1,190,000 |
| Net interest income | 2,226,000 | 4,463,000 | 6,805,000 | 9,142,000 |
| Noninterest income | 816,000 | 1,668,000 | 2,594,000 | 3,448,000 |
| Noninterest expense | 2,674,000 | 5,267,000 | 7,986,000 | 10,660,000 |
| Provision for loan losses | 105,000 | 175,000 | 175,000 | 175,000 |
| Pretax income | 354,000 | 920,000 | 1,532,000 | 2,065,000 |
| Income tax | 64,000 | 205,000 | 370,000 | 494,000 |
| Net income | 290,000 | 715,000 | 1,162,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,586,000 | 46,011,000 | 46,458,000 | 46,867,000 |
| Total capital | 48,785,000 | 49,314,000 | 49,715,000 | 50,302,000 |
| Risk-weighted assets | 173,570,000 | 176,860,000 | 177,133,000 | 186,012,000 |