Call reports 2005
BARRE SAVINGS BANK — 2005
What BARRE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 122,648,000 | 121,469,000 | 123,782,000 | 131,098,000 |
| Total loans | 74,067,000 | 74,032,000 | 77,725,000 | 84,318,000 |
| Allowance for loan losses | 444,000 | 446,000 | 446,000 | 445,000 |
| Securities available for sale | 22,366,000 | 22,496,000 | 22,140,000 | 20,981,000 |
| Securities held to maturity | 11,425,000 | 11,667,000 | 11,904,000 | 10,773,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,183,000 | 104,790,000 | 104,333,000 | 105,391,000 |
| Interest-bearing deposits | 99,642,000 | 97,311,000 | 96,311,000 | 97,051,000 |
| Noninterest-bearing deposits | 6,541,000 | 7,479,000 | 8,022,000 | 8,340,000 |
| Equity capital | 13,658,000 | 13,802,000 | 13,741,000 | 13,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,407,000 | 2,822,000 | 4,279,000 | 5,830,000 |
| Interest expense | 406,000 | 851,000 | 1,333,000 | 1,908,000 |
| Net interest income | 1,001,000 | 1,971,000 | 2,946,000 | 3,922,000 |
| Noninterest income | 81,000 | 170,000 | 258,000 | 342,000 |
| Noninterest expense | 985,000 | 2,011,000 | 3,050,000 | 4,102,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 164,000 | 193,000 | 248,000 |
| Income tax | 29,000 | 38,000 | 35,000 | 48,000 |
| Net income | 84,000 | 126,000 | 158,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,718,000 | 13,760,000 | 13,792,000 | 13,834,000 |
| Total capital | 14,320,000 | 14,367,000 | 14,405,000 | 14,451,000 |
| Risk-weighted assets | 68,627,000 | 68,269,000 | 72,150,000 | 78,145,000 |
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