Call reports 2012
BARRE SAVINGS BANK — 2012
What BARRE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 146,259,000 | 145,321,000 | 143,931,000 | 149,558,000 |
| Total loans | 107,349,000 | 106,852,000 | 110,746,000 | 112,801,000 |
| Allowance for loan losses | 2,506,000 | 2,212,000 | 2,537,000 | 2,526,000 |
| Securities available for sale | 25,374,000 | 24,819,000 | 23,020,000 | 23,796,000 |
| Securities held to maturity | 206,000 | 181,000 | 158,000 | 130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,487,000 | 108,698,000 | 107,950,000 | 109,164,000 |
| Interest-bearing deposits | 99,203,000 | 97,896,000 | 96,415,000 | 97,543,000 |
| Noninterest-bearing deposits | 10,284,000 | 10,802,000 | 11,535,000 | 11,621,000 |
| Equity capital | 14,020,000 | 14,233,000 | 14,189,000 | 14,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,873,000 | 4,209,000 | 5,548,000 |
| Interest expense | 294,000 | 575,000 | 847,000 | 1,104,000 |
| Net interest income | 1,176,000 | 2,298,000 | 3,362,000 | 4,444,000 |
| Noninterest income | 136,000 | 274,000 | 417,000 | 561,000 |
| Noninterest expense | 1,200,000 | 2,326,000 | 3,518,000 | 4,637,000 |
| Provision for loan losses | 195,000 | 240,000 | 552,000 | 648,000 |
| Pretax income | 183,000 | 319,000 | 165,000 | 345,000 |
| Income tax | 41,000 | 66,000 | -7,000 | 32,000 |
| Net income | 142,000 | 253,000 | 172,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,416,000 | 12,595,000 | 12,463,000 | 12,607,000 |
| Total capital | 13,821,000 | 14,046,000 | 13,965,000 | 14,061,000 |
| Risk-weighted assets | 95,072,000 | 97,469,000 | 98,389,000 | 99,549,000 |