Call reports 2017
ATHOL SAVINGS BANK — 2017
What ATHOL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 400,965,000 | 410,348,000 | 406,149,000 | 415,611,000 |
| Total loans | 267,807,000 | 280,350,000 | 279,470,000 | 279,993,000 |
| Allowance for loan losses | 2,388,000 | 2,469,000 | 2,569,000 | 2,545,000 |
| Securities available for sale | 76,536,000 | 77,405,000 | 76,156,000 | 79,320,000 |
| Securities held to maturity | 18,944,000 | 18,934,000 | 18,396,000 | 18,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,974,000 | 330,500,000 | 324,194,000 | 328,932,000 |
| Interest-bearing deposits | 279,190,000 | 286,416,000 | 280,599,000 | 282,121,000 |
| Noninterest-bearing deposits | 41,784,000 | 44,084,000 | 43,595,000 | 46,811,000 |
| Equity capital | 52,364,000 | 53,135,000 | 53,953,000 | 54,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,111,000 | 6,286,000 | 9,515,000 | 12,769,000 |
| Interest expense | 432,000 | 879,000 | 1,355,000 | 1,848,000 |
| Net interest income | 2,679,000 | 5,407,000 | 8,160,000 | 10,921,000 |
| Noninterest income | 859,000 | 1,883,000 | 2,865,000 | 3,858,000 |
| Noninterest expense | 2,973,000 | 5,945,000 | 8,883,000 | 11,865,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 710,000 | 1,370,000 | 2,125,000 | 2,777,000 |
| Income tax | 152,000 | 307,000 | 470,000 | 535,000 |
| Net income | 558,000 | 1,063,000 | 1,655,000 | 2,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,205,000 | 51,710,000 | 52,302,000 | 52,505,000 |
| Total capital | 55,440,000 | 56,156,000 | 57,053,000 | 57,599,000 |
| Risk-weighted assets | 241,116,000 | 255,101,000 | 253,053,000 | 255,417,000 |