Call reports 2013
BRISTOL COUNTY SAVINGS BANK — 2013
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,377,608,000 | 1,429,367,000 | 1,483,198,000 | 1,465,902,000 |
| Total loans | 1,031,452,000 | 1,048,042,000 | 1,101,747,000 | 1,126,159,000 |
| Allowance for loan losses | 10,408,000 | 10,589,000 | 11,025,000 | 11,081,000 |
| Securities available for sale | 276,433,000 | 296,308,000 | 302,887,000 | 278,311,000 |
| Securities held to maturity | 4,943,000 | 4,903,000 | 117,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,041,102,000 | 1,093,831,000 | 1,107,990,000 | 1,100,921,000 |
| Interest-bearing deposits | 994,084,000 | 1,035,008,000 | 1,052,279,000 | 1,045,116,000 |
| Noninterest-bearing deposits | 47,018,000 | 58,823,000 | 55,711,000 | 55,805,000 |
| Equity capital | 196,967,000 | 197,364,000 | 201,842,000 | 214,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 12,533,000 | 25,150,000 | 37,868,000 | 50,716,000 |
| Interest expense | 1,916,000 | 3,751,000 | 5,569,000 | 7,345,000 |
| Net interest income | 10,617,000 | 21,399,000 | 32,299,000 | 43,371,000 |
| Noninterest income | 3,554,000 | 7,257,000 | 10,815,000 | 14,108,000 |
| Noninterest expense | 11,176,000 | 23,007,000 | 35,101,000 | 47,143,000 |
| Provision for loan losses | 23,000 | 241,000 | 692,000 | 891,000 |
| Pretax income | 3,649,000 | 8,526,000 | 12,679,000 | 17,028,000 |
| Income tax | 1,135,000 | 2,678,000 | 3,906,000 | 5,137,000 |
| Net income | 2,361,000 | 5,483,000 | 8,248,000 | 11,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 176,540,000 | 178,839,000 | 181,294,000 | 184,524,000 |
| Total capital | 196,504,000 | 198,616,000 | 202,487,000 | 209,364,000 |
| Risk-weighted assets | 1,051,178,000 | 1,081,925,000 | 1,128,986,000 | 1,111,085,000 |