Call reports 2025
ATHOL SAVINGS BANK — 2025
What ATHOL SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 675,710,000 | 682,196,000 | 681,203,000 | 677,842,000 |
| Total loans | 432,825,000 | 433,334,000 | 436,421,000 | 432,725,000 |
| Allowance for loan losses | 4,617,000 | 4,554,000 | 4,539,000 | 4,520,000 |
| Securities available for sale | 138,802,000 | 143,253,000 | 142,255,000 | 138,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,517,000 | 558,418,000 | 554,100,000 | 555,612,000 |
| Interest-bearing deposits | 472,453,000 | 479,248,000 | 474,614,000 | 477,129,000 |
| Noninterest-bearing deposits | 75,064,000 | 79,170,000 | 79,486,000 | 78,483,000 |
| Equity capital | 66,815,000 | 69,207,000 | 73,247,000 | 67,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,648,000 | 13,612,000 | 20,754,000 | 27,940,000 |
| Interest expense | 2,923,000 | 5,868,000 | 8,750,000 | 11,608,000 |
| Net interest income | 3,725,000 | 7,744,000 | 12,004,000 | 16,332,000 |
| Noninterest income | 1,061,000 | 2,074,000 | 3,096,000 | 4,113,000 |
| Noninterest expense | 4,332,000 | 8,478,000 | 12,753,000 | 29,982,000 |
| Provision for loan losses | 0 | -40,000 | -10,000 | 20,000 |
| Pretax income | 373,000 | 2,998,000 | 5,696,000 | -5,408,000 |
| Income tax | 4,000 | 655,000 | 1,320,000 | -3,487,000 |
| Net income | 369,000 | 2,343,000 | 4,376,000 | -1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,369,000 | 82,343,000 | 84,376,000 | 78,079,000 |
| Total capital | 85,262,000 | 87,223,000 | 89,241,000 | 82,925,000 |
| Risk-weighted assets | 495,509,000 | 506,573,000 | 514,745,000 | 405,447,000 |