Call reports 2008
ATKINS SAVINGS BANK & TRUST — 2008
What ATKINS SAVINGS BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,271,000 | 43,131,000 | 44,036,000 | 47,262,000 |
| Total loans | 20,319,000 | 20,883,000 | 21,281,000 | 22,020,000 |
| Allowance for loan losses | 211,000 | 220,000 | 229,000 | 232,000 |
| Securities available for sale | 14,735,000 | 16,762,000 | 18,001,000 | 18,006,000 |
| Securities held to maturity | 142,000 | 121,000 | 121,000 | 121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,539,000 | 38,507,000 | 40,183,000 | 43,909,000 |
| Interest-bearing deposits | 26,969,000 | 29,228,000 | 31,622,000 | 33,239,000 |
| Noninterest-bearing deposits | 8,570,000 | 9,279,000 | 8,561,000 | 10,670,000 |
| Equity capital | 3,486,000 | 3,375,000 | 3,313,000 | 2,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 572,000 | 1,158,000 | 1,753,000 | 2,429,000 |
| Interest expense | 278,000 | 561,000 | 853,000 | 1,162,000 |
| Net interest income | 294,000 | 597,000 | 900,000 | 1,267,000 |
| Noninterest income | 31,000 | 64,000 | 93,000 | 130,000 |
| Noninterest expense | 186,000 | 375,000 | 563,000 | 847,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 130,000 | 268,000 | 405,000 | 516,000 |
| Income tax | 5,000 | 10,000 | -14,000 | 19,000 |
| Net income | 125,000 | 258,000 | 419,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,714,000 | 3,847,000 | 4,008,000 | 3,936,000 |
| Total capital | 3,925,000 | 4,067,000 | 4,237,000 | 4,168,000 |
| Risk-weighted assets | 28,129,000 | 29,859,000 | 30,988,000 | 32,941,000 |