Call reports 2004
ATKINS SAVINGS BANK & TRUST — 2004
What ATKINS SAVINGS BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 29,395,000 | 29,120,000 | 29,616,000 | 31,893,000 |
| Total loans | 11,561,000 | 11,667,000 | 12,587,000 | 12,236,000 |
| Allowance for loan losses | 156,000 | 158,000 | 164,000 | 138,000 |
| Securities available for sale | 14,146,000 | 12,953,000 | 14,114,000 | 14,976,000 |
| Securities held to maturity | 52,000 | 44,000 | 44,000 | 43,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,536,000 | 25,527,000 | 25,692,000 | 28,588,000 |
| Interest-bearing deposits | 22,033,000 | 22,334,000 | 22,319,000 | 23,763,000 |
| Noninterest-bearing deposits | 3,503,000 | 3,193,000 | 3,373,000 | 4,825,000 |
| Equity capital | 3,457,000 | 3,227,000 | 3,547,000 | 2,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 700,000 | 1,073,000 | 1,458,000 |
| Interest expense | 123,000 | 251,000 | 384,000 | 525,000 |
| Net interest income | 225,000 | 449,000 | 689,000 | 933,000 |
| Noninterest income | 44,000 | 63,000 | 81,000 | 105,000 |
| Noninterest expense | 136,000 | 277,000 | 426,000 | 647,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 128,000 | 237,000 | 341,000 | 385,000 |
| Income tax | 5,000 | 11,000 | 12,000 | 16,000 |
| Net income | 123,000 | 226,000 | 329,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,195,000 | 3,298,000 | 3,401,000 | 2,901,000 |
| Total capital | 3,351,000 | 3,456,000 | 3,565,000 | 3,039,000 |
| Risk-weighted assets | 18,464,000 | 18,728,000 | 19,649,000 | 19,661,000 |