Call reports 2008
BATH SAVINGS INSTITUTION — 2008
What BATH SAVINGS INSTITUTION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 477,489,000 | 482,583,000 | 505,655,000 | 495,876,000 |
| Total loans | 348,677,000 | 361,842,000 | 369,330,000 | 361,034,000 |
| Allowance for loan losses | 3,518,000 | 3,550,000 | 3,785,000 | 3,985,000 |
| Securities available for sale | 100,359,000 | 95,627,000 | 96,110,000 | 101,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,024,000 | 348,849,000 | 368,973,000 | 355,560,000 |
| Interest-bearing deposits | 305,649,000 | 301,805,000 | 317,928,000 | 309,637,000 |
| Noninterest-bearing deposits | 44,375,000 | 47,044,000 | 51,045,000 | 45,923,000 |
| Equity capital | 48,186,000 | 47,803,000 | 48,046,000 | 48,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,820,000 | 13,459,000 | 20,253,000 | 26,982,000 |
| Interest expense | 2,989,000 | 5,670,000 | 8,244,000 | 10,632,000 |
| Net interest income | 3,831,000 | 7,789,000 | 12,009,000 | 16,350,000 |
| Noninterest income | 854,000 | 1,862,000 | 2,912,000 | 3,351,000 |
| Noninterest expense | 3,445,000 | 6,982,000 | 10,543,000 | 13,900,000 |
| Provision for loan losses | 72,000 | 160,000 | 395,000 | 750,000 |
| Pretax income | 1,252,000 | 2,607,000 | 4,426,000 | 5,503,000 |
| Income tax | 373,000 | 768,000 | 1,316,000 | 1,582,000 |
| Net income | 879,000 | 1,839,000 | 3,110,000 | 3,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,477,000 | 45,435,000 | 46,702,000 | 47,556,000 |
| Total capital | 51,027,000 | 51,845,000 | 53,214,000 | 53,136,000 |
| Risk-weighted assets | 315,157,000 | 326,065,000 | 338,484,000 | 327,320,000 |
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