Call reports 2015
ATKINS SAVINGS BANK & TRUST — 2015
What ATKINS SAVINGS BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 79,209,000 | 80,506,000 | 78,416,000 | 81,830,000 |
| Total loans | 46,778,000 | 46,918,000 | 47,964,000 | 49,849,000 |
| Allowance for loan losses | 447,000 | 563,000 | 601,000 | 623,000 |
| Securities available for sale | 28,239,000 | 26,475,000 | 27,076,000 | 25,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,640,000 | 71,354,000 | 68,006,000 | 71,217,000 |
| Interest-bearing deposits | 57,012,000 | 58,596,000 | 56,251,000 | 57,193,000 |
| Noninterest-bearing deposits | 12,628,000 | 12,758,000 | 11,755,000 | 14,024,000 |
| Equity capital | 8,984,000 | 8,689,000 | 9,423,000 | 9,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,575,000 | 2,360,000 | 3,155,000 |
| Interest expense | 155,000 | 313,000 | 471,000 | 630,000 |
| Net interest income | 626,000 | 1,262,000 | 1,889,000 | 2,525,000 |
| Noninterest income | 39,000 | 76,000 | 112,000 | 165,000 |
| Noninterest expense | 273,000 | 501,000 | 760,000 | 1,206,000 |
| Provision for loan losses | 24,000 | 148,000 | 172,000 | 196,000 |
| Pretax income | 400,000 | 745,000 | 1,119,000 | 1,361,000 |
| Income tax | 63,000 | 166,000 | 249,000 | 235,000 |
| Net income | 337,000 | 579,000 | 870,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,892,000 | 8,633,000 | 9,373,000 | 9,390,000 |
| Total capital | 8,339,000 | 9,196,000 | 9,974,000 | 10,013,000 |
| Risk-weighted assets | 60,670,000 | 59,993,000 | 60,898,000 | 59,113,000 |