Call reports 2005
BAY STATE SAVINGS BANK — 2005
What BAY STATE SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 260,322,000 | 271,094,000 | 276,194,000 | 284,744,000 |
| Total loans | 181,987,000 | 193,047,000 | 206,641,000 | 209,469,000 |
| Allowance for loan losses | 1,510,000 | 1,539,000 | 1,603,000 | 1,637,000 |
| Securities available for sale | 56,129,000 | 52,656,000 | 48,855,000 | 50,338,000 |
| Securities held to maturity | 75,000 | 75,000 | 590,000 | 590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,364,000 | 214,509,000 | 209,869,000 | 222,210,000 |
| Interest-bearing deposits | 174,678,000 | 181,537,000 | 176,767,000 | 188,170,000 |
| Noninterest-bearing deposits | 32,686,000 | 32,972,000 | 33,102,000 | 34,040,000 |
| Equity capital | 23,879,000 | 24,551,000 | 24,492,000 | 24,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,365,000 | 6,854,000 | 10,581,000 | 14,488,000 |
| Interest expense | 833,000 | 1,773,000 | 2,883,000 | 4,161,000 |
| Net interest income | 2,532,000 | 5,081,000 | 7,698,000 | 10,327,000 |
| Noninterest income | 350,000 | 783,000 | 1,137,000 | 1,491,000 |
| Noninterest expense | 2,323,000 | 4,643,000 | 6,990,000 | 9,255,000 |
| Provision for loan losses | 44,000 | 95,000 | 378,000 | 428,000 |
| Pretax income | 561,000 | 1,292,000 | 1,659,000 | 2,355,000 |
| Income tax | 187,000 | 456,000 | 569,000 | 819,000 |
| Net income | 374,000 | 836,000 | 1,090,000 | 1,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,103,000 | 24,554,000 | 24,819,000 | 25,264,000 |
| Total capital | 25,727,000 | 26,212,000 | 26,548,000 | 27,029,000 |
| Risk-weighted assets | 176,614,000 | 183,578,000 | 190,845,000 | 194,200,000 |