Call reports 2011
BARRE SAVINGS BANK — 2011
What BARRE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 144,680,000 | 147,138,000 | 144,039,000 | 144,344,000 |
| Total loans | 109,614,000 | 108,116,000 | 106,253,000 | 105,966,000 |
| Allowance for loan losses | 3,205,000 | 2,971,000 | 3,004,000 | 2,503,000 |
| Securities available for sale | 20,623,000 | 24,942,000 | 24,476,000 | 25,283,000 |
| Securities held to maturity | 343,000 | 306,000 | 270,000 | 236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,837,000 | 107,477,000 | 106,639,000 | 108,511,000 |
| Interest-bearing deposits | 98,121,000 | 96,359,000 | 96,202,000 | 97,720,000 |
| Noninterest-bearing deposits | 9,716,000 | 11,118,000 | 10,437,000 | 10,791,000 |
| Equity capital | 13,170,000 | 13,395,000 | 13,479,000 | 13,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,569,000 | 3,122,000 | 4,619,000 | 6,090,000 |
| Interest expense | 413,000 | 796,000 | 1,127,000 | 1,433,000 |
| Net interest income | 1,156,000 | 2,326,000 | 3,492,000 | 4,657,000 |
| Noninterest income | 144,000 | 323,000 | 448,000 | 589,000 |
| Noninterest expense | 1,213,000 | 2,427,000 | 3,576,000 | 4,647,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 156,000 | 268,000 | 381,000 | 677,000 |
| Income tax | 1,000 | 23,000 | 43,000 | 127,000 |
| Net income | 155,000 | 245,000 | 338,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,739,000 | 11,882,000 | 11,999,000 | 12,299,000 |
| Total capital | 13,188,000 | 13,337,000 | 13,276,000 | 13,698,000 |
| Risk-weighted assets | 96,047,000 | 95,598,000 | 93,975,000 | 94,996,000 |