Call reports 2009
SOUTHBRIDGE SAVINGS BANK — 2009
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 449,715,000 | 446,571,000 | 435,311,000 | 440,850,000 |
| Total loans | 361,057,000 | 367,468,000 | 365,136,000 | 361,885,000 |
| Allowance for loan losses | 3,072,000 | 2,967,000 | 2,999,000 | 3,092,000 |
| Securities available for sale | 32,338,000 | 28,212,000 | 22,818,000 | 21,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,654,000 | 334,357,000 | 332,219,000 | 334,862,000 |
| Interest-bearing deposits | 311,967,000 | 311,013,000 | 307,716,000 | 308,674,000 |
| Noninterest-bearing deposits | 22,687,000 | 23,344,000 | 24,503,000 | 26,188,000 |
| Equity capital | 33,964,000 | 32,952,000 | 34,514,000 | 35,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,837,000 | 11,566,000 | 17,135,000 | 22,556,000 |
| Interest expense | 2,696,000 | 5,120,000 | 7,299,000 | 9,194,000 |
| Net interest income | 3,141,000 | 6,446,000 | 9,836,000 | 13,362,000 |
| Noninterest income | 932,000 | 2,074,000 | 3,368,000 | 4,721,000 |
| Noninterest expense | 4,009,000 | 8,736,000 | 13,016,000 | 16,676,000 |
| Provision for loan losses | 165,000 | 250,000 | 474,000 | 660,000 |
| Pretax income | 131,000 | -1,358,000 | -1,306,000 | -581,000 |
| Income tax | -54,000 | -75,000 | -143,000 | -88,000 |
| Net income | 185,000 | -1,283,000 | -1,163,000 | -493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,485,000 | 30,382,000 | 31,330,000 | 35,534,000 |
| Total capital | 38,557,000 | 33,349,000 | 34,329,000 | 38,626,000 |
| Risk-weighted assets | 303,962,000 | 296,984,000 | 288,819,000 | 295,498,000 |
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