Call reports 2008
SOUTHBRIDGE SAVINGS BANK — 2008
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 460,393,000 | 455,017,000 | 444,804,000 | 448,678,000 |
| Total loans | 348,336,000 | 353,744,000 | 357,609,000 | 361,895,000 |
| Allowance for loan losses | 2,402,000 | 2,514,000 | 2,616,000 | 2,961,000 |
| Securities available for sale | 50,568,000 | 52,364,000 | 38,412,000 | 34,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,165,000 | 321,423,000 | 318,133,000 | 316,359,000 |
| Interest-bearing deposits | 297,584,000 | 295,975,000 | 293,407,000 | 293,340,000 |
| Noninterest-bearing deposits | 23,581,000 | 25,448,000 | 24,726,000 | 23,019,000 |
| Equity capital | 44,374,000 | 43,026,000 | 35,645,000 | 35,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,180,000 | 12,341,000 | 18,467,000 | 24,442,000 |
| Interest expense | 3,434,000 | 6,443,000 | 9,195,000 | 11,920,000 |
| Net interest income | 2,746,000 | 5,898,000 | 9,272,000 | 12,522,000 |
| Noninterest income | 1,011,000 | 2,134,000 | 3,343,000 | 4,390,000 |
| Noninterest expense | 3,808,000 | 8,023,000 | 12,109,000 | 16,584,000 |
| Provision for loan losses | 231,000 | 434,000 | 856,000 | 1,307,000 |
| Pretax income | -50,000 | 100,000 | -6,480,000 | -8,080,000 |
| Income tax | -93,000 | -119,000 | -2,284,000 | -2,879,000 |
| Net income | 43,000 | 219,000 | -4,196,000 | -5,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,375,000 | 43,582,000 | 38,522,000 | 35,947,000 |
| Total capital | 46,633,000 | 46,522,000 | 41,138,000 | 38,908,000 |
| Risk-weighted assets | 303,747,000 | 309,669,000 | 303,599,000 | 305,922,000 |
Machine access — free, no API key
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