Call reports 2021
ATHOL SAVINGS BANK — 2021
What ATHOL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 526,758,000 | 534,528,000 | 539,880,000 | 554,362,000 |
| Total loans | 308,777,000 | 331,874,000 | 335,970,000 | 333,598,000 |
| Allowance for loan losses | 4,668,000 | 4,968,000 | 5,100,000 | 5,158,000 |
| Securities available for sale | 130,707,000 | 127,252,000 | 117,386,000 | 133,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,738,000 | 462,722,000 | 468,865,000 | 480,554,000 |
| Interest-bearing deposits | 373,850,000 | 379,524,000 | 381,219,000 | 394,690,000 |
| Noninterest-bearing deposits | 81,888,000 | 83,198,000 | 87,646,000 | 85,864,000 |
| Equity capital | 62,889,000 | 64,695,000 | 66,868,000 | 69,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,489,000 | 7,024,000 | 10,729,000 | 14,293,000 |
| Interest expense | 445,000 | 814,000 | 1,118,000 | 1,391,000 |
| Net interest income | 3,044,000 | 6,210,000 | 9,611,000 | 12,902,000 |
| Noninterest income | 949,000 | 1,921,000 | 2,918,000 | 3,944,000 |
| Noninterest expense | 3,346,000 | 6,829,000 | 10,092,000 | 13,795,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 825,000 |
| Pretax income | 1,896,000 | 3,559,000 | 4,261,000 | 7,507,000 |
| Income tax | 455,000 | 845,000 | 967,000 | 1,796,000 |
| Net income | 1,441,000 | 2,714,000 | 3,294,000 | 5,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,949,000 | 67,222,000 | 67,802,000 | 70,219,000 |
| Total capital | 70,086,000 | 71,604,000 | 72,296,000 | 74,877,000 |
| Risk-weighted assets | 330,390,000 | 349,957,000 | 358,889,000 | 372,161,000 |