Call reports 2015
TORRINGTON SAVINGS BANK, THE — 2015
What TORRINGTON SAVINGS BANK, THE 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 | 800,180,000 | 803,899,000 | 809,864,000 | 809,104,000 |
| Total loans | 377,944,000 | 392,356,000 | 403,554,000 | 413,638,000 |
| Allowance for loan losses | 3,137,000 | 3,160,000 | 3,189,000 | 3,218,000 |
| Securities available for sale | 241,334,000 | 237,056,000 | 231,742,000 | 226,569,000 |
| Securities held to maturity | 40,000,000 | 35,000,000 | 35,000,000 | 35,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 651,463,000 | 653,907,000 | 659,198,000 | 658,632,000 |
| Interest-bearing deposits | 632,735,000 | 635,154,000 | 639,466,000 | 636,515,000 |
| Noninterest-bearing deposits | 18,728,000 | 18,753,000 | 19,732,000 | 22,117,000 |
| Equity capital | 145,791,000 | 146,884,000 | 147,656,000 | 147,562,000 |
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 | 5,160,000 | 10,257,000 | 15,389,000 | 20,573,000 |
| Interest expense | 1,134,000 | 2,272,000 | 3,404,000 | 4,551,000 |
| Net interest income | 4,026,000 | 7,985,000 | 11,985,000 | 16,022,000 |
| Noninterest income | 675,000 | 1,404,000 | 2,139,000 | 2,858,000 |
| Noninterest expense | 3,369,000 | 6,697,000 | 10,010,000 | 13,432,000 |
| Provision for loan losses | 63,000 | 135,000 | 245,000 | 395,000 |
| Pretax income | 1,269,000 | 2,557,000 | 3,869,000 | 5,053,000 |
| Income tax | 307,000 | 615,000 | 940,000 | 1,215,000 |
| Net income | 962,000 | 1,942,000 | 2,929,000 | 3,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,632,000 | 143,702,000 | 144,223,000 | 145,096,000 |
| Total capital | 147,838,000 | 149,425,000 | 149,444,000 | 150,403,000 |
| Risk-weighted assets | 346,782,000 | 350,906,000 | 355,398,000 | 362,818,000 |