Call reports 2015
ATHOL SAVINGS BANK — 2015
What ATHOL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 359,998,000 | 355,803,000 | 355,935,000 | 365,977,000 |
| Total loans | 210,024,000 | 213,377,000 | 211,846,000 | 219,647,000 |
| Allowance for loan losses | 2,157,000 | 2,162,000 | 2,077,000 | 2,147,000 |
| Securities available for sale | 105,505,000 | 102,681,000 | 98,891,000 | 94,022,000 |
| Securities held to maturity | 10,392,000 | 12,386,000 | 12,371,000 | 15,354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,391,000 | 288,808,000 | 289,982,000 | 298,188,000 |
| Interest-bearing deposits | 253,722,000 | 252,708,000 | 253,822,000 | 259,485,000 |
| Noninterest-bearing deposits | 36,669,000 | 36,100,000 | 36,160,000 | 38,703,000 |
| Equity capital | 50,588,000 | 50,326,000 | 50,171,000 | 50,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,728,000 | 5,490,000 | 8,310,000 | 11,126,000 |
| Interest expense | 344,000 | 700,000 | 1,061,000 | 1,434,000 |
| Net interest income | 2,384,000 | 4,790,000 | 7,249,000 | 9,692,000 |
| Noninterest income | 771,000 | 1,637,000 | 2,529,000 | 3,526,000 |
| Noninterest expense | 2,721,000 | 5,353,000 | 8,102,000 | 10,906,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 350,000 |
| Pretax income | 490,000 | 1,220,000 | 1,747,000 | 2,293,000 |
| Income tax | 105,000 | 301,000 | 356,000 | 499,000 |
| Net income | 385,000 | 919,000 | 1,391,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,252,000 | 47,786,000 | 48,258,000 | 48,661,000 |
| Total capital | 50,687,000 | 51,069,000 | 51,206,000 | 51,992,000 |
| Risk-weighted assets | 205,163,000 | 205,894,000 | 203,740,000 | 200,884,000 |