Call reports 2005
ATKINS SAVINGS BANK & TRUST — 2005
What ATKINS SAVINGS BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,897,000 | 31,020,000 | 32,657,000 | 34,611,000 |
| Total loans | 14,704,000 | 16,030,000 | 16,868,000 | 15,761,000 |
| Allowance for loan losses | 152,000 | 173,000 | 173,000 | 164,000 |
| Securities available for sale | 13,817,000 | 11,926,000 | 11,944,000 | 14,079,000 |
| Securities held to maturity | 43,000 | 35,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,601,000 | 27,438,000 | 27,696,000 | 29,754,000 |
| Interest-bearing deposits | 24,117,000 | 23,889,000 | 23,725,000 | 24,731,000 |
| Noninterest-bearing deposits | 3,484,000 | 3,549,000 | 3,971,000 | 5,023,000 |
| Equity capital | 2,908,000 | 3,162,000 | 3,164,000 | 3,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 816,000 | 1,248,000 | 1,714,000 |
| Interest expense | 147,000 | 304,000 | 473,000 | 654,000 |
| Net interest income | 249,000 | 512,000 | 775,000 | 1,060,000 |
| Noninterest income | 22,000 | 39,000 | 57,000 | 77,000 |
| Noninterest expense | 155,000 | 314,000 | 471,000 | 670,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 142,000 | 256,000 | 374,000 | 460,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 19,000 |
| Net income | 137,000 | 246,000 | 360,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,038,000 | 3,147,000 | 3,261,000 | 3,192,000 |
| Total capital | 3,190,000 | 3,320,000 | 3,434,000 | 3,356,000 |
| Risk-weighted assets | 21,394,000 | 21,942,000 | 23,279,000 | 23,342,000 |