Call reports 2010
BARRE SAVINGS BANK — 2010
What BARRE SAVINGS BANK 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 | 148,992,000 | 148,471,000 | 146,049,000 | 142,747,000 |
| Total loans | 114,822,000 | 112,743,000 | 111,637,000 | 110,000,000 |
| Allowance for loan losses | 1,909,000 | 928,000 | 997,000 | 3,151,000 |
| Securities available for sale | 16,344,000 | 20,739,000 | 18,469,000 | 18,959,000 |
| Securities held to maturity | 726,000 | 635,000 | 470,000 | 391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,935,000 | 107,665,000 | 107,926,000 | 107,896,000 |
| Interest-bearing deposits | 98,933,000 | 98,643,000 | 98,781,000 | 97,860,000 |
| Noninterest-bearing deposits | 9,002,000 | 9,022,000 | 9,145,000 | 10,036,000 |
| Equity capital | 14,135,000 | 14,039,000 | 14,495,000 | 13,008,000 |
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 | 1,759,000 | 3,506,000 | 5,297,000 | 6,913,000 |
| Interest expense | 553,000 | 1,099,000 | 1,605,000 | 2,068,000 |
| Net interest income | 1,206,000 | 2,407,000 | 3,692,000 | 4,845,000 |
| Noninterest income | 141,000 | 293,000 | 450,000 | 605,000 |
| Noninterest expense | 1,385,000 | 2,676,000 | 3,811,000 | 5,021,000 |
| Provision for loan losses | 550,000 | 580,000 | 610,000 | 2,958,000 |
| Pretax income | -515,000 | -375,000 | -99,000 | -2,269,000 |
| Income tax | -192,000 | -188,000 | -138,000 | -918,000 |
| Net income | -323,000 | -187,000 | 39,000 | -1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,519,000 | 13,601,000 | 13,868,000 | 12,058,000 |
| Total capital | 14,962,000 | 14,720,000 | 15,199,000 | 13,486,000 |
| Risk-weighted assets | 102,456,000 | 98,359,000 | 97,110,000 | 96,045,000 |