Call reports 2001
BAY STATE SAVINGS BANK — 2001
What BAY STATE SAVINGS BANK 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 | 200,662,000 | 203,207,000 | 206,263,000 | 208,124,000 |
| Total loans | 148,536,000 | 154,000,000 | 150,851,000 | 156,793,000 |
| Allowance for loan losses | 757,000 | 783,000 | 853,000 | 982,000 |
| Securities available for sale | 27,524,000 | 33,848,000 | 30,643,000 | 31,928,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,241,000 | 177,758,000 | 180,191,000 | 181,541,000 |
| Interest-bearing deposits | 158,276,000 | 155,849,000 | 154,623,000 | 156,390,000 |
| Noninterest-bearing deposits | 18,965,000 | 21,909,000 | 25,568,000 | 25,151,000 |
| Equity capital | 16,992,000 | 17,207,000 | 17,702,000 | 18,289,000 |
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 | 3,362,000 | 6,789,000 | 10,165,000 | 13,455,000 |
| Interest expense | 1,504,000 | 2,929,000 | 4,211,000 | 5,300,000 |
| Net interest income | 1,858,000 | 3,860,000 | 5,954,000 | 8,155,000 |
| Noninterest income | 153,000 | 310,000 | 564,000 | 795,000 |
| Noninterest expense | 1,582,000 | 3,191,000 | 4,800,000 | 6,673,000 |
| Provision for loan losses | 44,000 | 87,000 | 146,000 | 304,000 |
| Pretax income | 403,000 | 900,000 | 1,581,000 | 2,001,000 |
| Income tax | 152,000 | 339,000 | 592,000 | 376,000 |
| Net income | 251,000 | 561,000 | 989,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,705,000 | 16,956,000 | 17,218,000 | 18,003,000 |
| Total capital | 17,462,000 | 17,739,000 | 18,071,000 | 18,985,000 |
| Risk-weighted assets | 123,604,000 | 129,831,000 | 130,789,000 | 137,986,000 |