Call reports 2014
SOUTHBRIDGE SAVINGS BANK — 2014
What SOUTHBRIDGE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 440,540,000 | 441,647,000 | 441,755,000 | 451,493,000 |
| Total loans | 362,296,000 | 367,077,000 | 375,170,000 | 384,771,000 |
| Allowance for loan losses | 3,605,000 | 3,249,000 | 3,204,000 | 3,364,000 |
| Securities available for sale | 23,638,000 | 23,295,000 | 22,816,000 | 22,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,338,000 | 352,450,000 | 348,011,000 | 349,461,000 |
| Interest-bearing deposits | 321,841,000 | 320,550,000 | 315,071,000 | 317,723,000 |
| Noninterest-bearing deposits | 28,497,000 | 31,900,000 | 32,940,000 | 31,738,000 |
| Equity capital | 36,785,000 | 37,313,000 | 37,622,000 | 38,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,346,000 | 8,685,000 | 12,963,000 | 17,378,000 |
| Interest expense | 722,000 | 1,457,000 | 2,190,000 | 2,931,000 |
| Net interest income | 3,624,000 | 7,228,000 | 10,773,000 | 14,447,000 |
| Noninterest income | 929,000 | 2,044,000 | 3,229,000 | 4,460,000 |
| Noninterest expense | 3,879,000 | 8,140,000 | 12,127,000 | 16,168,000 |
| Provision for loan losses | 303,000 | 591,000 | 917,000 | 1,194,000 |
| Pretax income | 371,000 | 520,000 | 937,000 | 1,524,000 |
| Income tax | 58,000 | 13,000 | 113,000 | 203,000 |
| Net income | 313,000 | 507,000 | 824,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,012,000 | 37,720,000 | 38,037,000 | 38,533,000 |
| Total capital | 40,617,000 | 40,969,000 | 41,241,000 | 41,897,000 |
| Risk-weighted assets | 303,384,000 | 306,805,000 | 309,773,000 | 313,994,000 |
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