Call reports 2015
BARRE SAVINGS BANK — 2015
What BARRE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 151,493,000 | 152,983,000 | 152,269,000 | 149,737,000 |
| Total loans | 118,215,000 | 118,745,000 | 117,812,000 | 117,735,000 |
| Allowance for loan losses | 1,507,000 | 1,540,000 | 1,577,000 | 1,423,000 |
| Securities available for sale | 20,564,000 | 19,910,000 | 19,166,000 | 18,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,387,000 | 121,171,000 | 124,378,000 | 120,311,000 |
| Interest-bearing deposits | 102,983,000 | 101,608,000 | 101,166,000 | 101,938,000 |
| Noninterest-bearing deposits | 15,404,000 | 19,563,000 | 23,212,000 | 18,373,000 |
| Equity capital | 14,843,000 | 14,800,000 | 14,852,000 | 15,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,723,000 | 4,112,000 | 5,499,000 |
| Interest expense | 201,000 | 405,000 | 607,000 | 808,000 |
| Net interest income | 1,145,000 | 2,318,000 | 3,505,000 | 4,691,000 |
| Noninterest income | 165,000 | 316,000 | 473,000 | 730,000 |
| Noninterest expense | 1,176,000 | 2,342,000 | 3,545,000 | 4,667,000 |
| Provision for loan losses | -50,000 | -20,000 | 10,000 | 10,000 |
| Pretax income | 321,000 | 481,000 | 596,000 | 1,057,000 |
| Income tax | 173,000 | 205,000 | 222,000 | 354,000 |
| Net income | 148,000 | 276,000 | 374,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,248,000 | 14,147,000 | 14,246,000 | 14,574,000 |
| Total capital | 15,813,000 | 15,691,000 | 15,658,000 | 16,026,000 |
| Risk-weighted assets | 106,738,000 | 105,629,000 | 104,321,000 | 105,210,000 |