Call reports 2015
BATH SAVINGS INSTITUTION — 2015
What BATH SAVINGS INSTITUTION 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 | 768,044,000 | 773,205,000 | 781,159,000 | 794,075,000 |
| Total loans | 505,992,000 | 515,043,000 | 520,233,000 | 515,835,000 |
| Allowance for loan losses | 5,698,000 | 5,837,000 | 5,970,000 | 5,960,000 |
| Securities available for sale | 185,105,000 | 180,741,000 | 180,500,000 | 196,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 599,810,000 | 605,658,000 | 603,704,000 | 629,998,000 |
| Interest-bearing deposits | 504,187,000 | 506,098,000 | 493,743,000 | 524,783,000 |
| Noninterest-bearing deposits | 95,623,000 | 99,560,000 | 109,961,000 | 105,215,000 |
| Equity capital | 89,971,000 | 90,428,000 | 91,976,000 | 94,611,000 |
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 | 6,378,000 | 12,896,000 | 19,522,000 | 26,508,000 |
| Interest expense | 1,000,000 | 1,978,000 | 2,959,000 | 3,911,000 |
| Net interest income | 5,378,000 | 10,918,000 | 16,563,000 | 22,597,000 |
| Noninterest income | 1,663,000 | 3,366,000 | 4,939,000 | 6,884,000 |
| Noninterest expense | 4,968,000 | 10,090,000 | 15,332,000 | 20,317,000 |
| Provision for loan losses | 124,000 | 248,000 | 372,000 | 360,000 |
| Pretax income | 2,270,000 | 4,382,000 | 6,217,000 | 9,344,000 |
| Income tax | 566,000 | 1,084,000 | 1,516,000 | 2,383,000 |
| Net income | 1,704,000 | 3,298,000 | 4,701,000 | 6,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,244,000 | 85,837,000 | 87,240,000 | 89,500,000 |
| Total capital | 94,009,000 | 96,024,000 | 97,367,000 | 100,042,000 |
| Risk-weighted assets | 467,854,000 | 501,619,000 | 504,584,000 | 518,763,000 |