Call reports 2018
ATHOL SAVINGS BANK — 2018
What ATHOL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 415,422,000 | 427,361,000 | 440,797,000 | 441,932,000 |
| Total loans | 279,462,000 | 293,769,000 | 305,960,000 | 306,562,000 |
| Allowance for loan losses | 2,663,000 | 2,738,000 | 2,865,000 | 2,956,000 |
| Securities available for sale | 82,171,000 | 82,328,000 | 82,209,000 | 78,805,000 |
| Securities held to maturity | 18,374,000 | 18,361,000 | 18,348,000 | 18,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,046,000 | 336,614,000 | 335,694,000 | 352,783,000 |
| Interest-bearing deposits | 285,891,000 | 286,695,000 | 286,934,000 | 303,917,000 |
| Noninterest-bearing deposits | 47,155,000 | 49,919,000 | 48,760,000 | 48,866,000 |
| Equity capital | 54,312,000 | 54,768,000 | 56,053,000 | 56,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,312,000 | 6,785,000 | 10,472,000 | 14,216,000 |
| Interest expense | 501,000 | 1,069,000 | 1,746,000 | 2,532,000 |
| Net interest income | 2,811,000 | 5,716,000 | 8,726,000 | 11,684,000 |
| Noninterest income | 915,000 | 1,885,000 | 2,873,000 | 3,924,000 |
| Noninterest expense | 3,085,000 | 6,235,000 | 9,272,000 | 12,298,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 495,000 |
| Pretax income | 655,000 | 1,340,000 | 2,293,000 | 3,205,000 |
| Income tax | 87,000 | 179,000 | 347,000 | 504,000 |
| Net income | 568,000 | 1,161,000 | 1,946,000 | 2,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,073,000 | 53,666,000 | 54,451,000 | 55,206,000 |
| Total capital | 58,005,000 | 58,086,000 | 59,322,000 | 59,599,000 |
| Risk-weighted assets | 259,006,000 | 265,450,000 | 273,988,000 | 272,927,000 |