Call reports 2007
ATKINS SAVINGS BANK & TRUST — 2007
What ATKINS SAVINGS BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 36,495,000 | 36,014,000 | 36,847,000 | 39,326,000 |
| Total loans | 20,159,000 | 20,224,000 | 21,287,000 | 20,343,000 |
| Allowance for loan losses | 276,000 | 285,000 | 294,000 | 200,000 |
| Securities available for sale | 12,796,000 | 12,565,000 | 12,336,000 | 13,190,000 |
| Securities held to maturity | 161,000 | 142,000 | 141,000 | 142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,947,000 | 31,516,000 | 32,158,000 | 34,618,000 |
| Interest-bearing deposits | 25,361,000 | 24,303,000 | 24,683,000 | 25,286,000 |
| Noninterest-bearing deposits | 6,586,000 | 7,213,000 | 7,475,000 | 9,332,000 |
| Equity capital | 3,336,000 | 3,249,000 | 3,443,000 | 3,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,053,000 | 1,588,000 | 2,162,000 |
| Interest expense | 251,000 | 515,000 | 781,000 | 1,055,000 |
| Net interest income | 262,000 | 538,000 | 807,000 | 1,107,000 |
| Noninterest income | 28,000 | 48,000 | 77,000 | 113,000 |
| Noninterest expense | 193,000 | 379,000 | 554,000 | 773,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 89,000 | 189,000 | 303,000 | 410,000 |
| Income tax | 5,000 | 5,000 | 14,000 | 19,000 |
| Net income | 84,000 | 184,000 | 289,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,423,000 | 3,524,000 | 3,629,000 | 3,589,000 |
| Total capital | 3,699,000 | 3,809,000 | 3,923,000 | 3,789,000 |
| Risk-weighted assets | 26,960,000 | 27,090,000 | 27,839,000 | 27,708,000 |