Call reports 2007
BATH SAVINGS INSTITUTION — 2007
What BATH SAVINGS INSTITUTION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 445,286,000 | 453,268,000 | 470,470,000 | 467,707,000 |
| Total loans | 316,708,000 | 329,631,000 | 338,687,000 | 342,985,000 |
| Allowance for loan losses | 3,648,000 | 3,745,000 | 3,824,000 | 3,446,000 |
| Securities available for sale | 100,161,000 | 97,787,000 | 103,234,000 | 100,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,754,000 | 343,436,000 | 355,887,000 | 346,122,000 |
| Interest-bearing deposits | 288,337,000 | 290,430,000 | 302,057,000 | 298,549,000 |
| Noninterest-bearing deposits | 50,417,000 | 53,006,000 | 53,830,000 | 47,573,000 |
| Equity capital | 45,013,000 | 45,187,000 | 46,749,000 | 47,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,300,000 | 12,840,000 | 19,724,000 | 26,612,000 |
| Interest expense | 2,898,000 | 6,061,000 | 9,465,000 | 12,718,000 |
| Net interest income | 3,402,000 | 6,779,000 | 10,259,000 | 13,894,000 |
| Noninterest income | 725,000 | 1,586,000 | 2,458,000 | 3,444,000 |
| Noninterest expense | 3,440,000 | 6,748,000 | 10,029,000 | 13,059,000 |
| Provision for loan losses | 96,000 | 192,000 | 288,000 | 384,000 |
| Pretax income | 737,000 | 1,770,000 | 2,756,000 | 4,226,000 |
| Income tax | 222,000 | 536,000 | 833,000 | 1,303,000 |
| Net income | 515,000 | 1,234,000 | 1,923,000 | 2,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,178,000 | 41,902,000 | 42,594,000 | 43,594,000 |
| Total capital | 47,497,000 | 48,297,000 | 49,286,000 | 49,930,000 |
| Risk-weighted assets | 282,769,000 | 291,122,000 | 299,087,000 | 303,501,000 |
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