Call reports 2023
ATHOL SAVINGS BANK — 2023
What ATHOL SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 594,326,000 | 596,183,000 | 597,265,000 | 623,949,000 |
| Total loans | 379,603,000 | 391,468,000 | 399,648,000 | 405,850,000 |
| Allowance for loan losses | 5,128,000 | 5,103,000 | 5,081,000 | 5,121,000 |
| Securities available for sale | 150,138,000 | 145,430,000 | 137,001,000 | 144,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,820,000 | 515,661,000 | 506,838,000 | 500,891,000 |
| Interest-bearing deposits | 417,129,000 | 432,305,000 | 413,765,000 | 418,382,000 |
| Noninterest-bearing deposits | 83,691,000 | 83,356,000 | 93,073,000 | 82,509,000 |
| Equity capital | 56,224,000 | 56,125,000 | 50,928,000 | 61,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,994,000 | 10,194,000 | 15,621,000 | 21,318,000 |
| Interest expense | 1,304,000 | 2,867,000 | 4,750,000 | 7,083,000 |
| Net interest income | 3,690,000 | 7,327,000 | 10,871,000 | 14,235,000 |
| Noninterest income | 983,000 | 2,004,000 | 3,079,000 | 4,453,000 |
| Noninterest expense | 3,946,000 | 7,878,000 | 11,665,000 | 15,525,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 623,000 | 2,309,000 | 2,214,000 | 5,110,000 |
| Income tax | 95,000 | 488,000 | 377,000 | 1,107,000 |
| Net income | 528,000 | 1,821,000 | 1,837,000 | 4,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,983,000 | 73,276,000 | 73,292,000 | 75,458,000 |
| Total capital | 77,111,000 | 78,379,000 | 78,373,000 | 80,579,000 |
| Risk-weighted assets | 424,753,000 | 436,745,000 | 441,910,000 | 448,682,000 |