Call reports 2016
BRISTOL COUNTY SAVINGS BANK — 2016
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,811,543,000 | 1,807,530,000 | 1,842,042,000 | 1,866,087,000 |
| Total loans | 1,398,702,000 | 1,438,906,000 | 1,466,420,000 | 1,494,658,000 |
| Allowance for loan losses | 13,068,000 | 13,404,000 | 13,521,000 | 13,498,000 |
| Securities available for sale | 293,866,000 | 301,280,000 | 304,199,000 | 307,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,438,938,000 | 1,423,725,000 | 1,478,129,000 | 1,495,891,000 |
| Interest-bearing deposits | 1,366,927,000 | 1,356,523,000 | 1,407,890,000 | 1,422,762,000 |
| Noninterest-bearing deposits | 72,011,000 | 67,202,000 | 70,239,000 | 73,129,000 |
| Equity capital | 232,641,000 | 237,960,000 | 242,160,000 | 240,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 15,058,000 | 30,559,000 | 46,242,000 | 62,107,000 |
| Interest expense | 2,013,000 | 4,011,000 | 6,044,000 | 8,149,000 |
| Net interest income | 13,045,000 | 26,548,000 | 40,198,000 | 53,958,000 |
| Noninterest income | 4,346,000 | 8,641,000 | 13,256,000 | 17,370,000 |
| Noninterest expense | 13,262,000 | 27,145,000 | 40,668,000 | 55,374,000 |
| Provision for loan losses | 438,000 | 1,095,000 | 1,263,000 | 1,832,000 |
| Pretax income | 5,295,000 | 10,397,000 | 16,228,000 | 20,744,000 |
| Income tax | 1,641,000 | 2,996,000 | 4,723,000 | 6,113,000 |
| Net income | 3,370,000 | 6,916,000 | 10,653,000 | 13,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 213,404,000 | 216,679,000 | 219,973,000 | 222,771,000 |
| Total capital | 235,108,000 | 240,278,000 | 244,623,000 | 248,850,000 |
| Risk-weighted assets | 1,661,999,000 | 1,721,799,000 | 1,737,023,000 | 1,796,840,000 |