Call reports 2013
SOUTHBRIDGE SAVINGS BANK — 2013
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 427,754,000 | 425,900,000 | 436,668,000 | 439,771,000 |
| Total loans | 335,149,000 | 338,654,000 | 356,715,000 | 359,575,000 |
| Allowance for loan losses | 3,718,000 | 3,551,000 | 3,475,000 | 3,296,000 |
| Securities available for sale | 33,312,000 | 33,188,000 | 33,143,000 | 35,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,088,000 | 336,032,000 | 336,645,000 | 338,536,000 |
| Interest-bearing deposits | 305,176,000 | 305,755,000 | 306,093,000 | 310,297,000 |
| Noninterest-bearing deposits | 26,912,000 | 30,277,000 | 30,552,000 | 28,239,000 |
| Equity capital | 44,654,000 | 45,961,000 | 46,892,000 | 47,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,351,000 | 8,672,000 | 12,995,000 | 17,503,000 |
| Interest expense | 796,000 | 1,587,000 | 2,363,000 | 3,150,000 |
| Net interest income | 3,555,000 | 7,085,000 | 10,632,000 | 14,353,000 |
| Noninterest income | 975,000 | 2,102,000 | 3,283,000 | 4,413,000 |
| Noninterest expense | 4,051,000 | 7,866,000 | 11,657,000 | 15,521,000 |
| Provision for loan losses | 198,000 | 392,000 | 578,000 | 766,000 |
| Pretax income | 454,000 | 1,153,000 | 1,944,000 | 2,805,000 |
| Income tax | -85,000 | 81,000 | 270,000 | 478,000 |
| Net income | 539,000 | 1,072,000 | 1,674,000 | 2,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,492,000 | 45,574,000 | 46,174,000 | 46,829,000 |
| Total capital | 48,701,000 | 49,613,000 | 50,367,000 | 51,218,000 |
| Risk-weighted assets | 299,732,000 | 301,102,000 | 308,768,000 | 308,735,000 |
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