Call reports 2010
BRISTOL COUNTY SAVINGS BANK — 2010
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,186,003,000 | 1,205,271,000 | 1,225,344,000 | 1,229,233,000 |
| Total loans | 895,068,000 | 890,271,000 | 877,275,000 | 894,076,000 |
| Allowance for loan losses | 10,039,000 | 9,929,000 | 9,922,000 | 10,004,000 |
| Securities available for sale | 204,548,000 | 212,267,000 | 245,364,000 | 267,818,000 |
| Securities held to maturity | 443,000 | 422,000 | 401,000 | 382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 878,849,000 | 917,851,000 | 930,674,000 | 929,140,000 |
| Interest-bearing deposits | 845,078,000 | 882,782,000 | 894,948,000 | 896,285,000 |
| Noninterest-bearing deposits | 33,771,000 | 35,069,000 | 35,726,000 | 32,855,000 |
| Equity capital | 164,401,000 | 161,765,000 | 166,640,000 | 172,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 14,033,000 | 27,849,000 | 41,436,000 | 54,781,000 |
| Interest expense | 3,205,000 | 6,122,000 | 9,006,000 | 11,695,000 |
| Net interest income | 10,828,000 | 21,727,000 | 32,430,000 | 43,086,000 |
| Noninterest income | 2,665,000 | 5,351,000 | 7,825,000 | 10,200,000 |
| Noninterest expense | 9,662,000 | 18,947,000 | 28,518,000 | 38,220,000 |
| Provision for loan losses | 1,110,000 | 3,391,000 | 3,700,000 | 4,600,000 |
| Pretax income | 2,610,000 | 4,655,000 | 8,256,000 | 10,869,000 |
| Income tax | 834,000 | 1,459,000 | 2,747,000 | 3,712,000 |
| Net income | 1,611,000 | 2,856,000 | 5,109,000 | 6,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,100,000 | 151,238,000 | 154,141,000 | 159,498,000 |
| Total capital | 164,159,000 | 161,185,000 | 164,082,000 | 169,521,000 |
| Risk-weighted assets | 891,371,000 | 906,341,000 | 906,448,000 | 928,412,000 |