Call reports 2006
BAY STATE SAVINGS BANK — 2006
What BAY STATE SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 287,200,000 | 295,619,000 | 295,270,000 | 291,647,000 |
| Total loans | 212,406,000 | 223,823,000 | 224,337,000 | 220,351,000 |
| Allowance for loan losses | 1,622,000 | 1,592,000 | 1,652,000 | 1,702,000 |
| Securities available for sale | 52,572,000 | 48,381,000 | 48,722,000 | 49,327,000 |
| Securities held to maturity | 590,000 | 590,000 | 590,000 | 590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,864,000 | 236,009,000 | 225,845,000 | 219,705,000 |
| Interest-bearing deposits | 197,078,000 | 202,692,000 | 196,131,000 | 189,307,000 |
| Noninterest-bearing deposits | 32,786,000 | 33,317,000 | 29,714,000 | 30,398,000 |
| Equity capital | 24,812,000 | 24,937,000 | 25,751,000 | 26,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,986,000 | 8,121,000 | 12,370,000 | 16,680,000 |
| Interest expense | 1,387,000 | 3,040,000 | 4,913,000 | 6,929,000 |
| Net interest income | 2,599,000 | 5,081,000 | 7,457,000 | 9,751,000 |
| Noninterest income | 359,000 | 694,000 | 1,095,000 | 1,291,000 |
| Noninterest expense | 2,570,000 | 5,058,000 | 7,475,000 | 9,706,000 |
| Provision for loan losses | 42,000 | 87,000 | 178,000 | 226,000 |
| Pretax income | 378,000 | 538,000 | 905,000 | 1,108,000 |
| Income tax | 114,000 | 100,000 | 224,000 | 277,000 |
| Net income | 264,000 | 438,000 | 681,000 | 831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,528,000 | 25,702,000 | 25,946,000 | 26,095,000 |
| Total capital | 27,275,000 | 27,418,000 | 27,727,000 | 27,922,000 |
| Risk-weighted assets | 196,213,000 | 202,390,000 | 204,508,000 | 205,362,000 |