Call reports 2024
ATHOL SAVINGS BANK — 2024
What ATHOL SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 632,672,000 | 628,135,000 | 648,229,000 | 640,760,000 |
| Total loans | 412,402,000 | 412,330,000 | 409,044,000 | 428,452,000 |
| Allowance for loan losses | 5,084,000 | 4,778,000 | 4,654,000 | 4,652,000 |
| Securities available for sale | 141,839,000 | 139,918,000 | 142,309,000 | 137,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,134,000 | 511,138,000 | 525,132,000 | 521,974,000 |
| Interest-bearing deposits | 431,185,000 | 437,803,000 | 445,488,000 | 448,957,000 |
| Noninterest-bearing deposits | 77,949,000 | 73,335,000 | 79,644,000 | 73,017,000 |
| Equity capital | 61,670,000 | 62,114,000 | 68,784,000 | 64,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,893,000 | 12,222,000 | 18,641,000 | 25,372,000 |
| Interest expense | 2,746,000 | 5,593,000 | 8,709,000 | 11,854,000 |
| Net interest income | 3,147,000 | 6,629,000 | 9,932,000 | 13,518,000 |
| Noninterest income | 1,121,000 | 2,148,000 | 3,302,000 | 4,355,000 |
| Noninterest expense | 3,882,000 | 7,903,000 | 11,885,000 | 15,984,000 |
| Provision for loan losses | 0 | -257,000 | -351,000 | -351,000 |
| Pretax income | 2,796,000 | 3,330,000 | 6,059,000 | 5,780,000 |
| Income tax | 681,000 | 748,000 | 1,401,000 | 1,238,000 |
| Net income | 2,115,000 | 2,582,000 | 4,658,000 | 4,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,573,000 | 78,040,000 | 80,116,000 | 80,000,000 |
| Total capital | 82,657,000 | 83,075,000 | 85,046,000 | 84,928,000 |
| Risk-weighted assets | 464,067,000 | 471,625,000 | 474,227,000 | 494,452,000 |