Call reports 2005
SOUTHBRIDGE SAVINGS BANK — 2005
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 384,882,000 | 390,462,000 | 394,446,000 | 406,243,000 |
| Total loans | 293,957,000 | 299,559,000 | 305,697,000 | 316,481,000 |
| Allowance for loan losses | 2,744,000 | 2,820,000 | 2,858,000 | 2,750,000 |
| Securities available for sale | 55,091,000 | 54,031,000 | 56,272,000 | 57,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,141,000 | 295,360,000 | 299,341,000 | 303,459,000 |
| Interest-bearing deposits | 264,681,000 | 268,045,000 | 269,033,000 | 275,268,000 |
| Noninterest-bearing deposits | 23,460,000 | 27,315,000 | 30,308,000 | 28,191,000 |
| Equity capital | 42,280,000 | 42,741,000 | 43,018,000 | 43,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,728,000 | 9,657,000 | 14,719,000 | 19,966,000 |
| Interest expense | 1,536,000 | 3,325,000 | 5,292,000 | 7,505,000 |
| Net interest income | 3,192,000 | 6,332,000 | 9,427,000 | 12,461,000 |
| Noninterest income | 753,000 | 1,609,000 | 2,405,000 | 3,255,000 |
| Noninterest expense | 3,307,000 | 6,833,000 | 9,901,000 | 13,152,000 |
| Provision for loan losses | 186,000 | 340,000 | 475,000 | 521,000 |
| Pretax income | 555,000 | 1,492,000 | 2,225,000 | 3,059,000 |
| Income tax | 203,000 | 525,000 | 797,000 | 1,069,000 |
| Net income | 352,000 | 967,000 | 1,428,000 | 1,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,856,000 | 40,503,000 | 40,995,000 | 41,589,000 |
| Total capital | 43,907,000 | 44,408,000 | 45,043,000 | 45,488,000 |
| Risk-weighted assets | 240,420,000 | 253,828,000 | 249,218,000 | 260,064,000 |
Machine access — free, no API key
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