Call reports 2009
ATKINS SAVINGS BANK & TRUST — 2009
What ATKINS SAVINGS BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,914,000 | 50,382,000 | 52,665,000 | 55,781,000 |
| Total loans | 22,941,000 | 23,406,000 | 25,539,000 | 26,099,000 |
| Allowance for loan losses | 241,000 | 186,000 | 203,000 | 249,000 |
| Securities available for sale | 18,842,000 | 19,616,000 | 22,835,000 | 23,058,000 |
| Securities held to maturity | 120,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,231,000 | 46,345,000 | 47,788,000 | 51,228,000 |
| Interest-bearing deposits | 34,107,000 | 39,577,000 | 40,548,000 | 43,067,000 |
| Noninterest-bearing deposits | 9,124,000 | 6,768,000 | 7,240,000 | 8,161,000 |
| Equity capital | 3,151,000 | 3,485,000 | 4,325,000 | 4,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,319,000 | 2,005,000 | 2,698,000 |
| Interest expense | 285,000 | 578,000 | 876,000 | 1,165,000 |
| Net interest income | 373,000 | 741,000 | 1,129,000 | 1,533,000 |
| Noninterest income | 32,000 | 57,000 | 86,000 | 117,000 |
| Noninterest expense | 195,000 | 375,000 | 580,000 | 843,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 86,000 |
| Pretax income | 242,000 | 451,000 | 615,000 | 745,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 19,000 |
| Net income | 237,000 | 441,000 | 601,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,173,000 | 4,377,000 | 4,537,000 | 4,497,000 |
| Total capital | 4,414,000 | 4,563,000 | 4,740,000 | 4,746,000 |
| Risk-weighted assets | 33,825,000 | 35,242,000 | 37,716,000 | 38,633,000 |