Call reports 2010
ATKINS SAVINGS BANK & TRUST — 2010
What ATKINS SAVINGS BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,041,000 | 59,535,000 | 59,958,000 | 62,044,000 |
| Total loans | 27,247,000 | 27,559,000 | 27,982,000 | 27,966,000 |
| Allowance for loan losses | 257,000 | 271,000 | 280,000 | 278,000 |
| Securities available for sale | 22,915,000 | 24,855,000 | 24,551,000 | 24,897,000 |
| Securities held to maturity | 100,000 | 86,000 | 87,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,144,000 | 54,131,000 | 54,115,000 | 57,113,000 |
| Interest-bearing deposits | 44,926,000 | 44,467,000 | 47,387,000 | 47,544,000 |
| Noninterest-bearing deposits | 5,218,000 | 9,664,000 | 6,728,000 | 9,569,000 |
| Equity capital | 4,389,000 | 4,886,000 | 5,321,000 | 4,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 701,000 | 1,416,000 | 2,102,000 | 2,790,000 |
| Interest expense | 267,000 | 536,000 | 798,000 | 1,043,000 |
| Net interest income | 434,000 | 880,000 | 1,304,000 | 1,747,000 |
| Noninterest income | 28,000 | 66,000 | 93,000 | 127,000 |
| Noninterest expense | 232,000 | 439,000 | 638,000 | 933,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 278,000 | 550,000 | 765,000 | 710,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 0 |
| Net income | 273,000 | 540,000 | 751,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,770,000 | 5,037,000 | 5,248,000 | 5,027,000 |
| Total capital | 5,027,000 | 5,308,000 | 5,528,000 | 5,305,000 |
| Risk-weighted assets | 39,304,000 | 40,766,000 | 40,344,000 | 41,128,000 |