Call reports 2011
SOUTHBRIDGE SAVINGS BANK — 2011
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 423,757,000 | 414,000,000 | 426,297,000 | 419,344,000 |
| Total loans | 348,461,000 | 350,079,000 | 347,454,000 | 338,848,000 |
| Allowance for loan losses | 3,031,000 | 3,120,000 | 3,021,000 | 3,359,000 |
| Securities available for sale | 18,959,000 | 18,915,000 | 17,919,000 | 24,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,397,000 | 318,433,000 | 328,706,000 | 329,416,000 |
| Interest-bearing deposits | 297,524,000 | 288,124,000 | 298,756,000 | 299,207,000 |
| Noninterest-bearing deposits | 27,873,000 | 30,309,000 | 29,950,000 | 30,209,000 |
| Equity capital | 39,054,000 | 40,497,000 | 40,237,000 | 41,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,951,000 | 9,909,000 | 14,846,000 | 19,680,000 |
| Interest expense | 1,160,000 | 2,226,000 | 3,209,000 | 4,195,000 |
| Net interest income | 3,791,000 | 7,683,000 | 11,637,000 | 15,485,000 |
| Noninterest income | 1,003,000 | 2,002,000 | 3,038,000 | 4,140,000 |
| Noninterest expense | 3,867,000 | 7,497,000 | 11,563,000 | 15,502,000 |
| Provision for loan losses | 348,000 | 802,000 | 1,193,000 | 1,605,000 |
| Pretax income | 685,000 | 1,562,000 | 2,115,000 | 2,772,000 |
| Income tax | 150,000 | 379,000 | 499,000 | 623,000 |
| Net income | 535,000 | 1,183,000 | 1,616,000 | 2,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,811,000 | 39,457,000 | 39,477,000 | 40,720,000 |
| Total capital | 41,872,000 | 42,620,000 | 42,498,000 | 44,079,000 |
| Risk-weighted assets | 284,091,000 | 285,426,000 | 289,267,000 | 284,942,000 |