Call reports 2012
BAY STATE SAVINGS BANK — 2012
What BAY STATE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 275,752,000 | 276,646,000 | 279,013,000 | 278,721,000 |
| Total loans | 208,225,000 | 222,082,000 | 225,949,000 | 221,929,000 |
| Allowance for loan losses | 2,415,000 | 2,581,000 | 2,678,000 | 2,896,000 |
| Securities available for sale | 30,412,000 | 27,513,000 | 27,065,000 | 25,654,000 |
| Securities held to maturity | 540,000 | 515,000 | 515,000 | 515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,306,000 | 222,025,000 | 223,441,000 | 226,649,000 |
| Interest-bearing deposits | 186,534,000 | 183,205,000 | 182,482,000 | 185,732,000 |
| Noninterest-bearing deposits | 36,772,000 | 38,820,000 | 40,959,000 | 40,917,000 |
| Equity capital | 28,059,000 | 28,311,000 | 28,761,000 | 28,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,945,000 | 5,950,000 | 9,023,000 | 12,087,000 |
| Interest expense | 528,000 | 1,021,000 | 1,463,000 | 1,881,000 |
| Net interest income | 2,417,000 | 4,929,000 | 7,560,000 | 10,206,000 |
| Noninterest income | 330,000 | 671,000 | 1,077,000 | 1,573,000 |
| Noninterest expense | 2,407,000 | 4,832,000 | 7,244,000 | 9,634,000 |
| Provision for loan losses | 151,000 | 301,000 | 461,000 | 822,000 |
| Pretax income | 216,000 | 547,000 | 1,070,000 | 1,484,000 |
| Income tax | 45,000 | 139,000 | 310,000 | 437,000 |
| Net income | 171,000 | 408,000 | 760,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,061,000 | 27,298,000 | 27,650,000 | 27,937,000 |
| Total capital | 29,399,000 | 29,752,000 | 30,137,000 | 30,390,000 |
| Risk-weighted assets | 186,964,000 | 196,181,000 | 198,796,000 | 195,789,000 |