Call reports 2012
SOUTHBRIDGE SAVINGS BANK — 2012
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 422,888,000 | 427,145,000 | 422,730,000 | 421,056,000 |
| Total loans | 343,240,000 | 346,180,000 | 336,806,000 | 339,839,000 |
| Allowance for loan losses | 3,422,000 | 3,634,000 | 3,806,000 | 3,823,000 |
| Securities available for sale | 30,847,000 | 28,961,000 | 28,748,000 | 32,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,880,000 | 332,347,000 | 327,099,000 | 326,435,000 |
| Interest-bearing deposits | 304,712,000 | 303,241,000 | 300,071,000 | 297,593,000 |
| Noninterest-bearing deposits | 27,168,000 | 29,106,000 | 27,028,000 | 28,842,000 |
| Equity capital | 42,086,000 | 41,956,000 | 42,921,000 | 43,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,744,000 | 9,491,000 | 14,017,000 | 18,451,000 |
| Interest expense | 926,000 | 1,817,000 | 2,712,000 | 3,572,000 |
| Net interest income | 3,818,000 | 7,674,000 | 11,305,000 | 14,879,000 |
| Noninterest income | 1,114,000 | 2,326,000 | 3,547,000 | 4,829,000 |
| Noninterest expense | 4,080,000 | 7,921,000 | 11,475,000 | 15,325,000 |
| Provision for loan losses | 334,000 | 741,000 | 1,019,000 | 1,114,000 |
| Pretax income | 580,000 | 1,506,000 | 2,497,000 | 3,408,000 |
| Income tax | 157,000 | 434,000 | 759,000 | 1,061,000 |
| Net income | 423,000 | 1,072,000 | 1,738,000 | 2,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,842,000 | 42,593,000 | 42,412,000 | 43,184,000 |
| Total capital | 45,280,000 | 46,227,000 | 46,026,000 | 46,967,000 |
| Risk-weighted assets | 289,051,000 | 293,928,000 | 288,953,000 | 296,873,000 |