Call reports 2007
BAY STATE SAVINGS BANK — 2007
What BAY STATE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 295,173,000 | 302,763,000 | 298,407,000 | 304,005,000 |
| Total loans | 220,756,000 | 221,982,000 | 218,938,000 | 219,444,000 |
| Allowance for loan losses | 1,742,000 | 1,781,000 | 1,821,000 | 1,860,000 |
| Securities available for sale | 49,106,000 | 52,990,000 | 56,478,000 | 61,567,000 |
| Securities held to maturity | 590,000 | 615,000 | 615,000 | 615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,320,000 | 231,689,000 | 221,644,000 | 218,301,000 |
| Interest-bearing deposits | 194,296,000 | 197,218,000 | 191,426,000 | 190,152,000 |
| Noninterest-bearing deposits | 32,024,000 | 34,471,000 | 30,218,000 | 28,149,000 |
| Equity capital | 26,380,000 | 26,324,000 | 26,999,000 | 27,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,247,000 | 8,606,000 | 12,995,000 | 17,430,000 |
| Interest expense | 2,072,000 | 4,202,000 | 6,377,000 | 8,592,000 |
| Net interest income | 2,175,000 | 4,404,000 | 6,618,000 | 8,838,000 |
| Noninterest income | 336,000 | 733,000 | 1,163,000 | 1,596,000 |
| Noninterest expense | 2,181,000 | 4,272,000 | 6,401,000 | 8,715,000 |
| Provision for loan losses | 44,000 | 87,000 | 132,000 | 176,000 |
| Pretax income | 390,000 | 954,000 | 1,485,000 | 1,847,000 |
| Income tax | 120,000 | 290,000 | 455,000 | 560,000 |
| Net income | 270,000 | 664,000 | 1,030,000 | 1,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,365,000 | 26,660,000 | 27,026,000 | 27,212,000 |
| Total capital | 28,233,000 | 28,568,000 | 28,974,000 | 29,199,000 |
| Risk-weighted assets | 206,735,000 | 210,521,000 | 208,804,000 | 205,484,000 |