Call reports 2019
BRISTOL COUNTY SAVINGS BANK — 2019
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,210,799,000 | 2,249,087,000 | 2,279,692,000 | 2,297,366,000 |
| Total loans | 1,764,301,000 | 1,797,733,000 | 1,813,116,000 | 1,829,665,000 |
| Allowance for loan losses | 15,973,000 | 16,215,000 | 16,310,000 | 16,517,000 |
| Securities available for sale | 355,961,000 | 360,503,000 | 364,721,000 | 196,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,781,472,000 | 1,814,582,000 | 1,906,705,000 | 1,887,565,000 |
| Interest-bearing deposits | 1,537,209,000 | 1,541,624,000 | 1,599,786,000 | 1,609,001,000 |
| Noninterest-bearing deposits | 244,263,000 | 272,958,000 | 306,919,000 | 278,564,000 |
| Equity capital | 289,643,000 | 297,365,000 | 300,888,000 | 302,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 20,693,000 | 42,325,000 | 64,108,000 | 85,876,000 |
| Interest expense | 4,411,000 | 9,112,000 | 13,918,000 | 18,729,000 |
| Net interest income | 16,282,000 | 33,213,000 | 50,190,000 | 67,147,000 |
| Noninterest income | 5,567,000 | 11,450,000 | 17,665,000 | 23,466,000 |
| Noninterest expense | 16,328,000 | 34,183,000 | 50,806,000 | 70,529,000 |
| Provision for loan losses | 331,000 | 552,000 | 702,000 | 2,517,000 |
| Pretax income | 7,603,000 | 16,435,000 | 25,975,000 | 30,076,000 |
| Income tax | 1,491,000 | 2,916,000 | 4,669,000 | 4,419,000 |
| Net income | 5,677,000 | 12,567,000 | 19,831,000 | 23,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 249,324,000 | 256,686,000 | 262,576,000 | 290,288,000 |
| Total capital | 280,989,000 | 288,433,000 | 293,151,000 | 306,827,000 |
| Risk-weighted assets | 2,069,032,000 | 2,130,218,000 | 2,147,214,000 | 2,294,478,000 |