Call reports 2023
BRISTOL COUNTY SAVINGS BANK — 2023
What BRISTOL COUNTY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,094,653,000 | 3,122,171,000 | 3,142,325,000 | 3,107,377,000 |
| Total loans | 2,309,740,000 | 2,348,046,000 | 2,380,027,000 | 2,344,597,000 |
| Allowance for loan losses | 22,027,000 | 22,255,000 | 22,346,000 | 22,401,000 |
| Securities available for sale | 423,098,000 | 410,330,000 | 396,878,000 | 402,102,000 |
| Securities held to maturity | 27,361,000 | 27,092,000 | 26,819,000 | 26,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,500,415,000 | 2,483,663,000 | 2,535,258,000 | 2,463,840,000 |
| Interest-bearing deposits | 2,018,973,000 | 2,030,186,000 | 2,104,531,000 | 2,035,102,000 |
| Noninterest-bearing deposits | 481,442,000 | 453,477,000 | 430,727,000 | 428,738,000 |
| Equity capital | 376,302,000 | 378,085,000 | 367,401,000 | 399,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 28,680,000 | 58,909,000 | 90,614,000 | 122,184,000 |
| Interest expense | 9,562,000 | 21,325,000 | 34,485,000 | 48,625,000 |
| Net interest income | 19,118,000 | 37,584,000 | 56,129,000 | 73,559,000 |
| Noninterest income | 2,862,000 | 6,252,000 | 9,975,000 | 13,818,000 |
| Noninterest expense | 14,978,000 | 34,223,000 | 54,893,000 | 73,115,000 |
| Provision for loan losses | 0 | 251,000 | 393,000 | 485,000 |
| Pretax income | 3,933,000 | 8,970,000 | 3,153,000 | 24,047,000 |
| Income tax | 1,383,000 | 1,727,000 | 200,000 | 4,249,000 |
| Net income | 2,580,000 | 7,196,000 | 2,665,000 | 19,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 400,481,000 | 405,004,000 | 400,601,000 | 416,796,000 |
| Total capital | 422,523,000 | 427,274,000 | 422,958,000 | 440,540,000 |
| Risk-weighted assets | 2,904,983,000 | 2,969,347,000 | 2,945,331,000 | 2,922,426,000 |