Call reports 2012
BRISTOL COUNTY SAVINGS BANK — 2012
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,354,466,000 | 1,352,933,000 | 1,363,434,000 | 1,366,733,000 |
| Total loans | 969,044,000 | 993,381,000 | 1,006,813,000 | 1,025,541,000 |
| Allowance for loan losses | 9,939,000 | 10,224,000 | 10,370,000 | 10,474,000 |
| Securities available for sale | 284,319,000 | 283,427,000 | 275,989,000 | 269,149,000 |
| Securities held to maturity | 5,106,000 | 5,064,000 | 5,022,000 | 4,982,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,035,282,000 | 1,018,922,000 | 1,035,943,000 | 1,028,667,000 |
| Interest-bearing deposits | 980,497,000 | 973,554,000 | 986,025,000 | 977,904,000 |
| Noninterest-bearing deposits | 54,785,000 | 45,368,000 | 49,918,000 | 50,763,000 |
| Equity capital | 182,269,000 | 183,546,000 | 188,143,000 | 189,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,006,000 | 26,158,000 | 39,093,000 | 52,110,000 |
| Interest expense | 2,117,000 | 4,208,000 | 6,266,000 | 8,269,000 |
| Net interest income | 10,889,000 | 21,950,000 | 32,827,000 | 43,841,000 |
| Noninterest income | 3,108,000 | 6,514,000 | 10,057,000 | 13,200,000 |
| Noninterest expense | 11,676,000 | 22,943,000 | 33,834,000 | 45,090,000 |
| Provision for loan losses | 430,000 | 1,184,000 | 1,368,000 | 1,836,000 |
| Pretax income | 2,871,000 | 6,646,000 | 10,815,000 | 14,260,000 |
| Income tax | 892,000 | 2,034,000 | 3,432,000 | 4,440,000 |
| Net income | 1,892,000 | 4,304,000 | 6,854,000 | 9,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 166,689,000 | 169,219,000 | 171,786,000 | 174,252,000 |
| Total capital | 182,555,000 | 184,392,000 | 188,047,000 | 190,328,000 |
| Risk-weighted assets | 1,000,008,000 | 1,030,521,000 | 1,034,308,000 | 1,048,069,000 |