Call reports 2008
BARRE SAVINGS BANK — 2008
What BARRE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 136,629,000 | 141,752,000 | 150,299,000 | 154,279,000 |
| Total loans | 103,359,000 | 109,393,000 | 111,465,000 | 117,125,000 |
| Allowance for loan losses | 800,000 | 829,000 | 870,000 | 965,000 |
| Securities available for sale | 17,147,000 | 16,200,000 | 21,922,000 | 22,141,000 |
| Securities held to maturity | 2,766,000 | 2,123,000 | 2,000,000 | 1,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,273,000 | 104,388,000 | 103,098,000 | 100,629,000 |
| Interest-bearing deposits | 93,825,000 | 93,470,000 | 93,644,000 | 91,494,000 |
| Noninterest-bearing deposits | 9,448,000 | 10,918,000 | 9,454,000 | 9,135,000 |
| Equity capital | 14,336,000 | 13,545,000 | 13,809,000 | 13,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,775,000 | 3,688,000 | 5,644,000 | 7,679,000 |
| Interest expense | 805,000 | 1,562,000 | 2,368,000 | 3,164,000 |
| Net interest income | 970,000 | 2,126,000 | 3,276,000 | 4,515,000 |
| Noninterest income | 237,000 | 381,000 | 526,000 | 672,000 |
| Noninterest expense | 1,128,000 | 2,268,000 | 3,330,000 | 4,510,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 146,000 |
| Pretax income | 80,000 | 220,000 | 13,000 | 191,000 |
| Income tax | -3,000 | 24,000 | -64,000 | -68,000 |
| Net income | 83,000 | 196,000 | 77,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,987,000 | 13,818,000 | 13,995,000 | 13,458,000 |
| Total capital | 14,938,000 | 13,818,000 | 15,016,000 | 14,599,000 |
| Risk-weighted assets | 90,177,000 | 96,373,000 | 96,103,000 | 100,925,000 |
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