Call reports 2011
BRISTOL COUNTY SAVINGS BANK — 2011
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,272,372,000 | 1,275,620,000 | 1,292,502,000 | 1,338,757,000 |
| Total loans | 916,411,000 | 928,614,000 | 933,845,000 | 943,897,000 |
| Allowance for loan losses | 10,289,000 | 9,961,000 | 9,702,000 | 9,659,000 |
| Securities available for sale | 270,943,000 | 278,502,000 | 266,653,000 | 272,208,000 |
| Securities held to maturity | 356,000 | 340,000 | 3,089,000 | 5,256,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 966,941,000 | 966,653,000 | 984,600,000 | 1,027,392,000 |
| Interest-bearing deposits | 930,684,000 | 930,293,000 | 949,156,000 | 992,992,000 |
| Noninterest-bearing deposits | 36,257,000 | 36,360,000 | 35,444,000 | 34,400,000 |
| Equity capital | 176,228,000 | 179,235,000 | 174,495,000 | 176,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 13,181,000 | 26,588,000 | 39,792,000 | 52,968,000 |
| Interest expense | 2,449,000 | 4,852,000 | 7,214,000 | 9,425,000 |
| Net interest income | 10,732,000 | 21,736,000 | 32,578,000 | 43,543,000 |
| Noninterest income | 2,904,000 | 5,685,000 | 8,293,000 | 11,110,000 |
| Noninterest expense | 10,123,000 | 20,528,000 | 30,562,000 | 41,619,000 |
| Provision for loan losses | 356,000 | 722,000 | 1,347,000 | 1,593,000 |
| Pretax income | 3,188,000 | 7,152,000 | 10,644,000 | 13,123,000 |
| Income tax | 1,016,000 | 2,390,000 | 3,605,000 | 4,245,000 |
| Net income | 1,923,000 | 4,387,000 | 6,569,000 | 8,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 161,466,000 | 164,000,000 | 166,262,000 | 164,694,000 |
| Total capital | 171,768,000 | 173,972,000 | 176,717,000 | 178,197,000 |
| Risk-weighted assets | 943,270,000 | 960,592,000 | 961,682,000 | 971,942,000 |