Call reports 2010
SOUTHBRIDGE SAVINGS BANK — 2010
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 448,133,000 | 439,182,000 | 428,889,000 | 409,030,000 |
| Total loans | 360,802,000 | 359,676,000 | 347,303,000 | 343,835,000 |
| Allowance for loan losses | 3,118,000 | 3,367,000 | 2,574,000 | 2,758,000 |
| Securities available for sale | 22,653,000 | 20,547,000 | 20,364,000 | 18,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,800,000 | 343,734,000 | 334,561,000 | 316,721,000 |
| Interest-bearing deposits | 318,738,000 | 317,684,000 | 307,799,000 | 290,137,000 |
| Noninterest-bearing deposits | 25,062,000 | 26,050,000 | 26,762,000 | 26,584,000 |
| Equity capital | 36,497,000 | 36,800,000 | 37,544,000 | 38,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,390,000 | 10,727,000 | 15,999,000 | 21,007,000 |
| Interest expense | 1,754,000 | 3,489,000 | 5,063,000 | 6,434,000 |
| Net interest income | 3,636,000 | 7,238,000 | 10,936,000 | 14,573,000 |
| Noninterest income | 1,090,000 | 2,223,000 | 3,559,000 | 4,952,000 |
| Noninterest expense | 3,641,000 | 7,209,000 | 10,635,000 | 14,270,000 |
| Provision for loan losses | 232,000 | 615,000 | 1,769,000 | 2,160,000 |
| Pretax income | 899,000 | 1,656,000 | 2,086,000 | 3,036,000 |
| Income tax | 242,000 | 419,000 | 587,000 | 886,000 |
| Net income | 657,000 | 1,237,000 | 1,499,000 | 2,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,781,000 | 36,592,000 | 36,848,000 | 38,025,000 |
| Total capital | 39,899,000 | 39,961,000 | 39,422,000 | 40,783,000 |
| Risk-weighted assets | 294,716,000 | 290,933,000 | 282,626,000 | 275,736,000 |
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