Call reports 2013
BATH SAVINGS INSTITUTION — 2013
What BATH SAVINGS INSTITUTION 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 | 678,579,000 | 688,530,000 | 701,690,000 | 710,107,000 |
| Total loans | 439,808,000 | 454,815,000 | 462,037,000 | 457,497,000 |
| Allowance for loan losses | 6,134,000 | 6,176,000 | 6,078,000 | 6,000,000 |
| Securities available for sale | 163,723,000 | 155,061,000 | 163,004,000 | 172,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,777,000 | 524,535,000 | 532,115,000 | 540,421,000 |
| Interest-bearing deposits | 436,106,000 | 439,357,000 | 439,886,000 | 453,740,000 |
| Noninterest-bearing deposits | 76,671,000 | 85,178,000 | 92,229,000 | 86,681,000 |
| Equity capital | 76,606,000 | 75,411,000 | 77,325,000 | 80,752,000 |
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 | 5,600,000 | 11,345,000 | 17,194,000 | 23,208,000 |
| Interest expense | 1,090,000 | 2,183,000 | 3,281,000 | 4,366,000 |
| Net interest income | 4,510,000 | 9,162,000 | 13,913,000 | 18,842,000 |
| Noninterest income | 1,867,000 | 3,689,000 | 5,257,000 | 6,955,000 |
| Noninterest expense | 4,338,000 | 8,775,000 | 13,235,000 | 17,657,000 |
| Provision for loan losses | 120,000 | 240,000 | 361,000 | 391,000 |
| Pretax income | 1,957,000 | 4,060,000 | 5,862,000 | 8,155,000 |
| Income tax | 456,000 | 959,000 | 1,359,000 | 1,925,000 |
| Net income | 1,501,000 | 3,101,000 | 4,503,000 | 6,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,130,000 | 72,718,000 | 74,123,000 | 75,836,000 |
| Total capital | 79,525,000 | 81,297,000 | 82,832,000 | 84,865,000 |
| Risk-weighted assets | 428,975,000 | 437,812,000 | 440,118,000 | 438,210,000 |