Call reports 2001
BSB BANK & TRUST COMPANY — 2001
What BSB BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 2,277,904,000 | 2,145,006,000 | 2,109,368,000 | 2,069,250,000 |
| Total loans | 1,793,623,000 | 1,655,122,000 | 1,541,787,000 | 1,500,981,000 |
| Allowance for loan losses | 61,423,000 | 55,158,000 | 56,905,000 | 58,829,000 |
| Securities available for sale | 389,312,000 | 345,597,000 | 392,292,000 | 487,046,000 |
| Securities held to maturity | 9,352,000 | 10,081,000 | 12,101,000 | 13,774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,793,900,000 | 1,665,314,000 | 1,638,317,000 | 1,509,925,000 |
| Interest-bearing deposits | 1,639,036,000 | 1,511,009,000 | 1,472,093,000 | 1,337,841,000 |
| Noninterest-bearing deposits | 154,864,000 | 154,305,000 | 166,224,000 | 172,084,000 |
| Equity capital | 181,136,000 | 184,618,000 | 180,659,000 | 180,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 46,040,000 | 88,974,000 | 129,222,000 | 164,799,000 |
| Interest expense | 24,777,000 | 46,057,000 | 65,013,000 | 79,729,000 |
| Net interest income | 21,263,000 | 42,917,000 | 64,209,000 | 85,070,000 |
| Noninterest income | 2,732,000 | 5,928,000 | 8,985,000 | 11,654,000 |
| Noninterest expense | 10,333,000 | 21,018,000 | 31,753,000 | 42,487,000 |
| Provision for loan losses | 4,674,000 | 9,174,000 | 13,724,000 | 18,224,000 |
| Pretax income | 9,055,000 | 18,739,000 | 27,867,000 | 36,392,000 |
| Income tax | 3,078,000 | 6,493,000 | 9,698,000 | 12,572,000 |
| Net income | 5,977,000 | 12,246,000 | 18,169,000 | 23,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,663,000 | 182,529,000 | 173,548,000 | 176,942,000 |
| Total capital | 201,785,000 | 203,910,000 | 193,676,000 | 196,503,000 |
| Risk-weighted assets | 1,811,488,000 | 1,676,691,000 | 1,573,458,000 | 1,525,596,000 |