Call reports 2015
BRISTOL COUNTY SAVINGS BANK — 2015
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,616,353,000 | 1,637,506,000 | 1,696,184,000 | 1,726,348,000 |
| Total loans | 1,263,431,000 | 1,286,077,000 | 1,333,730,000 | 1,364,978,000 |
| Allowance for loan losses | 11,791,000 | 12,052,000 | 12,387,000 | 12,676,000 |
| Securities available for sale | 292,534,000 | 286,690,000 | 279,185,000 | 285,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,249,920,000 | 1,271,614,000 | 1,335,569,000 | 1,359,608,000 |
| Interest-bearing deposits | 1,187,562,000 | 1,208,004,000 | 1,265,968,000 | 1,290,620,000 |
| Noninterest-bearing deposits | 62,358,000 | 63,610,000 | 69,601,000 | 68,988,000 |
| Equity capital | 226,567,000 | 225,567,000 | 221,859,000 | 225,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 13,982,000 | 28,154,000 | 42,658,000 | 57,587,000 |
| Interest expense | 1,907,000 | 3,831,000 | 5,794,000 | 7,772,000 |
| Net interest income | 12,075,000 | 24,323,000 | 36,864,000 | 49,815,000 |
| Noninterest income | 4,660,000 | 8,830,000 | 13,282,000 | 17,148,000 |
| Noninterest expense | 13,249,000 | 25,960,000 | 38,691,000 | 51,465,000 |
| Provision for loan losses | 236,000 | 1,580,000 | 1,950,000 | 2,760,000 |
| Pretax income | 4,545,000 | 9,533,000 | 15,075,000 | 19,988,000 |
| Income tax | 1,297,000 | 2,780,000 | 4,712,000 | 6,418,000 |
| Net income | 2,822,000 | 6,132,000 | 9,421,000 | 12,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 202,156,000 | 205,396,000 | 208,460,000 | 211,538,000 |
| Total capital | 226,594,000 | 227,686,000 | 226,123,000 | 231,631,000 |
| Risk-weighted assets | 1,522,639,000 | 1,554,055,000 | 1,575,837,000 | 1,621,308,000 |