Call reports 2014
BRISTOL COUNTY SAVINGS BANK — 2014
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,540,779,000 | 1,558,143,000 | 1,577,960,000 | 1,601,457,000 |
| Total loans | 1,163,477,000 | 1,196,728,000 | 1,232,791,000 | 1,252,074,000 |
| Allowance for loan losses | 11,274,000 | 11,398,000 | 11,567,000 | 11,671,000 |
| Securities available for sale | 280,218,000 | 288,601,000 | 283,389,000 | 286,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,191,563,000 | 1,177,074,000 | 1,188,057,000 | 1,194,833,000 |
| Interest-bearing deposits | 1,137,569,000 | 1,114,841,000 | 1,124,715,000 | 1,133,022,000 |
| Noninterest-bearing deposits | 53,994,000 | 62,233,000 | 63,342,000 | 61,811,000 |
| Equity capital | 217,503,000 | 223,773,000 | 222,196,000 | 224,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 12,987,000 | 26,366,000 | 39,930,000 | 53,870,000 |
| Interest expense | 1,768,000 | 3,633,000 | 5,523,000 | 7,464,000 |
| Net interest income | 11,219,000 | 22,733,000 | 34,407,000 | 46,406,000 |
| Noninterest income | 3,932,000 | 7,876,000 | 11,821,000 | 15,453,000 |
| Noninterest expense | 12,623,000 | 24,894,000 | 37,235,000 | 50,581,000 |
| Provision for loan losses | 277,000 | 427,000 | 688,000 | 882,000 |
| Pretax income | 3,275,000 | 7,186,000 | 12,056,000 | 18,496,000 |
| Income tax | 856,000 | 2,061,000 | 3,576,000 | 5,120,000 |
| Net income | 2,181,000 | 4,707,000 | 7,903,000 | 12,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,620,000 | 189,137,000 | 192,401,000 | 196,322,000 |
| Total capital | 211,879,000 | 216,735,000 | 217,214,000 | 221,206,000 |
| Risk-weighted assets | 1,142,945,000 | 1,170,454,000 | 1,193,118,000 | 1,206,139,000 |