Call reports 2011
BAY STATE SAVINGS BANK — 2011
What BAY STATE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 268,294,000 | 270,599,000 | 267,650,000 | 268,439,000 |
| Total loans | 201,409,000 | 206,407,000 | 203,639,000 | 200,221,000 |
| Allowance for loan losses | 3,010,000 | 3,000,000 | 3,268,000 | 2,636,000 |
| Securities available for sale | 35,498,000 | 32,893,000 | 29,885,000 | 28,401,000 |
| Securities held to maturity | 540,000 | 540,000 | 540,000 | 540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,427,000 | 217,277,000 | 214,050,000 | 214,294,000 |
| Interest-bearing deposits | 180,972,000 | 182,695,000 | 178,023,000 | 178,555,000 |
| Noninterest-bearing deposits | 34,455,000 | 34,582,000 | 36,027,000 | 35,739,000 |
| Equity capital | 27,106,000 | 27,558,000 | 27,719,000 | 27,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,094,000 | 6,229,000 | 9,304,000 | 12,321,000 |
| Interest expense | 628,000 | 1,234,000 | 1,810,000 | 2,365,000 |
| Net interest income | 2,466,000 | 4,995,000 | 7,494,000 | 9,956,000 |
| Noninterest income | 353,000 | 667,000 | 956,000 | 1,275,000 |
| Noninterest expense | 2,380,000 | 4,837,000 | 7,347,000 | 9,882,000 |
| Provision for loan losses | 120,000 | 288,000 | 452,000 | 671,000 |
| Pretax income | 349,000 | 697,000 | 953,000 | 1,185,000 |
| Income tax | 92,000 | 187,000 | 252,000 | 191,000 |
| Net income | 257,000 | 510,000 | 701,000 | 994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,154,000 | 26,407,000 | 26,598,000 | 26,890,000 |
| Total capital | 28,444,000 | 28,705,000 | 28,875,000 | 29,150,000 |
| Risk-weighted assets | 182,505,000 | 183,111,000 | 181,252,000 | 180,427,000 |