Call reports 2014
BARRE SAVINGS BANK — 2014
What BARRE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 155,028,000 | 153,861,000 | 152,664,000 | 151,898,000 |
| Total loans | 122,373,000 | 118,902,000 | 117,203,000 | 118,484,000 |
| Allowance for loan losses | 2,610,000 | 1,944,000 | 1,638,000 | 1,478,000 |
| Securities available for sale | 21,530,000 | 23,141,000 | 22,927,000 | 20,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,552,000 | 119,192,000 | 115,850,000 | 115,971,000 |
| Interest-bearing deposits | 100,779,000 | 103,193,000 | 100,047,000 | 99,684,000 |
| Noninterest-bearing deposits | 14,773,000 | 15,999,000 | 15,803,000 | 16,287,000 |
| Equity capital | 14,090,000 | 14,458,000 | 14,470,000 | 14,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,700,000 | 4,067,000 | 5,439,000 |
| Interest expense | 237,000 | 457,000 | 666,000 | 872,000 |
| Net interest income | 1,092,000 | 2,243,000 | 3,401,000 | 4,567,000 |
| Noninterest income | 229,000 | 401,000 | 565,000 | 715,000 |
| Noninterest expense | 1,082,000 | 2,159,000 | 3,322,000 | 4,604,000 |
| Provision for loan losses | 200,000 | 260,000 | 260,000 | 230,000 |
| Pretax income | 94,000 | 354,000 | 532,000 | 872,000 |
| Income tax | 10,000 | 79,000 | 116,000 | 218,000 |
| Net income | 84,000 | 275,000 | 416,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,889,000 | 13,244,000 | 13,327,000 | 13,584,000 |
| Total capital | 14,554,000 | 14,937,000 | 14,954,000 | 15,141,000 |
| Risk-weighted assets | 104,941,000 | 102,871,000 | 102,252,000 | 101,890,000 |