Call reports 2004
BARRE SAVINGS BANK — 2004
What BARRE SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 126,465,000 | 123,861,000 | 123,969,000 | 124,400,000 |
| Total loans | 83,898,000 | 81,284,000 | 79,994,000 | 77,082,000 |
| Allowance for loan losses | 440,000 | 440,000 | 441,000 | 442,000 |
| Securities available for sale | 19,153,000 | 22,866,000 | 20,008,000 | 23,136,000 |
| Securities held to maturity | 6,346,000 | 5,959,000 | 8,993,000 | 11,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,107,000 | 106,470,000 | 106,503,000 | 106,761,000 |
| Interest-bearing deposits | 103,112,000 | 99,902,000 | 100,316,000 | 99,844,000 |
| Noninterest-bearing deposits | 4,995,000 | 6,568,000 | 6,187,000 | 6,917,000 |
| Equity capital | 13,833,000 | 13,591,000 | 13,727,000 | 13,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,824,000 | 4,227,000 | 5,648,000 |
| Interest expense | 421,000 | 829,000 | 1,226,000 | 1,635,000 |
| Net interest income | 1,029,000 | 1,995,000 | 3,001,000 | 4,013,000 |
| Noninterest income | 60,000 | 155,000 | 242,000 | 326,000 |
| Noninterest expense | 991,000 | 2,056,000 | 3,086,000 | 4,093,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 276,000 | 384,000 | 551,000 |
| Income tax | 74,000 | 90,000 | 120,000 | 166,000 |
| Net income | 139,000 | 186,000 | 264,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,388,000 | 13,435,000 | 13,513,000 | 13,634,000 |
| Total capital | 14,055,000 | 14,074,000 | 14,123,000 | 14,270,000 |
| Risk-weighted assets | 73,925,000 | 74,276,000 | 71,143,000 | 70,412,000 |
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