Call reports 2022
ATHOL SAVINGS BANK — 2022
What ATHOL SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 552,648,000 | 556,622,000 | 563,379,000 | 582,843,000 |
| Total loans | 336,531,000 | 343,355,000 | 359,148,000 | 375,654,000 |
| Allowance for loan losses | 5,199,000 | 5,151,000 | 5,146,000 | 5,141,000 |
| Securities available for sale | 146,704,000 | 156,421,000 | 149,422,000 | 149,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,762,000 | 496,462,000 | 496,429,000 | 495,871,000 |
| Interest-bearing deposits | 401,644,000 | 410,415,000 | 408,840,000 | 410,205,000 |
| Noninterest-bearing deposits | 85,118,000 | 86,047,000 | 87,589,000 | 85,666,000 |
| Equity capital | 62,675,000 | 56,665,000 | 49,899,000 | 53,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,729,000 | 7,729,000 | 12,108,000 | 16,902,000 |
| Interest expense | 255,000 | 510,000 | 866,000 | 1,510,000 |
| Net interest income | 3,474,000 | 7,219,000 | 11,242,000 | 15,392,000 |
| Noninterest income | 951,000 | 1,933,000 | 2,938,000 | 3,945,000 |
| Noninterest expense | 3,562,000 | 7,183,000 | 10,936,000 | 14,906,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | -520,000 | -2,205,000 | -2,576,000 | 1,291,000 |
| Income tax | -221,000 | -769,000 | -949,000 | 55,000 |
| Net income | -299,000 | -1,436,000 | -1,627,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,920,000 | 68,783,000 | 68,592,000 | 71,455,000 |
| Total capital | 74,612,000 | 73,554,000 | 73,585,000 | 76,596,000 |
| Risk-weighted assets | 374,887,000 | 381,295,000 | 399,272,000 | 425,727,000 |