Call reports 2020
ATHOL SAVINGS BANK — 2020
What ATHOL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 450,566,000 | 498,920,000 | 506,772,000 | 516,786,000 |
| Total loans | 297,058,000 | 304,718,000 | 301,030,000 | 300,804,000 |
| Allowance for loan losses | 3,592,000 | 3,817,000 | 4,110,000 | 4,387,000 |
| Securities available for sale | 87,696,000 | 116,014,000 | 112,353,000 | 133,614,000 |
| Securities held to maturity | 13,974,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,406,000 | 426,161,000 | 432,981,000 | 443,630,000 |
| Interest-bearing deposits | 329,876,000 | 359,526,000 | 365,799,000 | 376,165,000 |
| Noninterest-bearing deposits | 50,530,000 | 66,635,000 | 67,182,000 | 67,465,000 |
| Equity capital | 59,451,000 | 61,837,000 | 62,660,000 | 63,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,757,000 | 7,427,000 | 11,134,000 | 14,679,000 |
| Interest expense | 836,000 | 1,598,000 | 2,307,000 | 2,866,000 |
| Net interest income | 2,921,000 | 5,829,000 | 8,827,000 | 11,813,000 |
| Noninterest income | 972,000 | 1,798,000 | 2,745,000 | 3,737,000 |
| Noninterest expense | 3,367,000 | 6,544,000 | 9,866,000 | 13,196,000 |
| Provision for loan losses | 175,000 | 425,000 | 725,000 | 1,025,000 |
| Pretax income | -4,082,000 | -1,424,000 | -313,000 | 2,302,000 |
| Income tax | -1,233,000 | -580,000 | -385,000 | 301,000 |
| Net income | -2,849,000 | -844,000 | 72,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,658,000 | 61,663,000 | 62,579,000 | 64,508,000 |
| Total capital | 63,179,000 | 65,386,000 | 66,345,000 | 68,504,000 |
| Risk-weighted assets | 281,618,000 | 297,715,000 | 300,973,000 | 319,292,000 |