Call reports 2016
ATHOL SAVINGS BANK — 2016
What ATHOL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 370,579,000 | 378,315,000 | 381,741,000 | 400,237,000 |
| Total loans | 220,606,000 | 242,493,000 | 240,908,000 | 266,797,000 |
| Allowance for loan losses | 2,236,000 | 2,273,000 | 2,253,000 | 2,296,000 |
| Securities available for sale | 89,811,000 | 87,508,000 | 86,212,000 | 82,513,000 |
| Securities held to maturity | 19,936,000 | 19,927,000 | 19,917,000 | 19,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,346,000 | 304,947,000 | 312,178,000 | 317,363,000 |
| Interest-bearing deposits | 264,451,000 | 267,997,000 | 272,055,000 | 277,267,000 |
| Noninterest-bearing deposits | 37,895,000 | 36,950,000 | 40,123,000 | 40,096,000 |
| Equity capital | 51,593,000 | 52,501,000 | 51,892,000 | 51,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,839,000 | 5,735,000 | 8,685,000 | 11,663,000 |
| Interest expense | 376,000 | 776,000 | 1,183,000 | 1,600,000 |
| Net interest income | 2,463,000 | 4,959,000 | 7,502,000 | 10,063,000 |
| Noninterest income | 1,046,000 | 1,927,000 | 2,885,000 | 3,893,000 |
| Noninterest expense | 2,879,000 | 5,731,000 | 8,669,000 | 11,497,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 587,000 | 1,159,000 | 1,637,000 | 2,306,000 |
| Income tax | 35,000 | 127,000 | 187,000 | 320,000 |
| Net income | 552,000 | 1,032,000 | 1,450,000 | 1,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,213,000 | 49,693,000 | 50,111,000 | 50,647,000 |
| Total capital | 52,816,000 | 53,523,000 | 53,917,000 | 54,616,000 |
| Risk-weighted assets | 203,819,000 | 221,208,000 | 223,714,000 | 237,860,000 |