Call reports 2018
BRISTOL COUNTY SAVINGS BANK — 2018
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,088,149,000 | 2,146,273,000 | 2,181,028,000 | 2,176,759,000 |
| Total loans | 1,686,630,000 | 1,725,195,000 | 1,727,985,000 | 1,754,650,000 |
| Allowance for loan losses | 15,303,000 | 15,438,000 | 15,526,000 | 15,677,000 |
| Securities available for sale | 328,692,000 | 333,875,000 | 345,672,000 | 328,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,678,004,000 | 1,699,779,000 | 1,754,119,000 | 1,702,506,000 |
| Interest-bearing deposits | 1,447,897,000 | 1,465,518,000 | 1,469,438,000 | 1,446,906,000 |
| Noninterest-bearing deposits | 230,107,000 | 234,261,000 | 284,681,000 | 255,600,000 |
| Equity capital | 259,549,000 | 265,147,000 | 273,975,000 | 269,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 18,584,000 | 37,665,000 | 57,493,000 | 77,899,000 |
| Interest expense | 2,643,000 | 5,649,000 | 8,989,000 | 12,853,000 |
| Net interest income | 15,941,000 | 32,016,000 | 48,504,000 | 65,046,000 |
| Noninterest income | 5,575,000 | 10,964,000 | 16,170,000 | 21,529,000 |
| Noninterest expense | 16,196,000 | 32,856,000 | 50,434,000 | 66,148,000 |
| Provision for loan losses | 301,000 | 586,000 | 740,000 | 924,000 |
| Pretax income | 7,060,000 | 12,606,000 | 19,228,000 | 28,784,000 |
| Income tax | 1,570,000 | 2,683,000 | 4,303,000 | 5,693,000 |
| Net income | 4,858,000 | 8,997,000 | 13,729,000 | 21,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 238,642,000 | 239,664,000 | 244,262,000 | 243,510,000 |
| Total capital | 269,238,000 | 271,743,000 | 278,874,000 | 268,272,000 |
| Risk-weighted assets | 2,001,910,000 | 2,029,902,000 | 2,040,940,000 | 2,007,939,000 |