Call reports 2019
ATHOL SAVINGS BANK — 2019
What ATHOL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 448,612,000 | 458,422,000 | 448,485,000 | 448,277,000 |
| Total loans | 302,993,000 | 301,642,000 | 302,362,000 | 295,329,000 |
| Allowance for loan losses | 3,070,000 | 3,189,000 | 3,307,000 | 3,440,000 |
| Securities available for sale | 86,164,000 | 96,908,000 | 77,911,000 | 86,282,000 |
| Securities held to maturity | 17,528,000 | 16,494,000 | 14,470,000 | 14,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,031,000 | 379,414,000 | 375,923,000 | 374,180,000 |
| Interest-bearing deposits | 315,469,000 | 328,438,000 | 325,931,000 | 325,939,000 |
| Noninterest-bearing deposits | 49,562,000 | 50,976,000 | 49,992,000 | 48,241,000 |
| Equity capital | 58,510,000 | 59,892,000 | 60,074,000 | 61,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,774,000 | 7,656,000 | 11,537,000 | 15,252,000 |
| Interest expense | 848,000 | 1,783,000 | 2,700,000 | 3,584,000 |
| Net interest income | 2,926,000 | 5,873,000 | 8,837,000 | 11,668,000 |
| Noninterest income | 957,000 | 1,951,000 | 2,989,000 | 4,077,000 |
| Noninterest expense | 3,285,000 | 6,628,000 | 9,817,000 | 13,194,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 555,000 | 1,367,000 | 2,287,000 | 3,808,000 |
| Income tax | 64,000 | 199,000 | 367,000 | 704,000 |
| Net income | 491,000 | 1,168,000 | 1,920,000 | 3,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,697,000 | 56,374,000 | 61,323,000 | 62,507,000 |
| Total capital | 60,718,000 | 61,551,000 | 64,630,000 | 65,947,000 |
| Risk-weighted assets | 274,645,000 | 276,932,000 | 291,501,000 | 292,288,000 |