Call reports 2013
BARRE SAVINGS BANK — 2013
What BARRE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 152,300,000 | 149,884,000 | 150,762,000 | 151,898,000 |
| Total loans | 114,532,000 | 114,580,000 | 117,555,000 | 119,706,000 |
| Allowance for loan losses | 2,715,000 | 2,714,000 | 2,755,000 | 2,762,000 |
| Securities available for sale | 23,730,000 | 23,384,000 | 22,528,000 | 21,518,000 |
| Securities held to maturity | 113,000 | 99,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,567,000 | 113,530,000 | 112,584,000 | 111,938,000 |
| Interest-bearing deposits | 100,211,000 | 99,622,000 | 98,131,000 | 98,469,000 |
| Noninterest-bearing deposits | 13,356,000 | 13,908,000 | 14,453,000 | 13,469,000 |
| Equity capital | 14,007,000 | 13,701,000 | 13,730,000 | 13,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,659,000 | 3,983,000 | 5,324,000 |
| Interest expense | 244,000 | 492,000 | 730,000 | 964,000 |
| Net interest income | 1,097,000 | 2,167,000 | 3,253,000 | 4,360,000 |
| Noninterest income | 127,000 | 249,000 | 393,000 | 553,000 |
| Noninterest expense | 881,000 | 2,075,000 | 3,241,000 | 4,328,000 |
| Provision for loan losses | 805,000 | 805,000 | 845,000 | 935,000 |
| Pretax income | -263,000 | -265,000 | -194,000 | 21,000 |
| Income tax | -113,000 | -135,000 | -131,000 | -78,000 |
| Net income | -150,000 | -130,000 | -63,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,400,000 | 12,302,000 | 12,377,000 | 12,585,000 |
| Total capital | 13,908,000 | 13,813,000 | 13,911,000 | 14,199,000 |
| Risk-weighted assets | 99,666,000 | 98,915,000 | 100,669,000 | 102,513,000 |