Call reports 2015
BAY STATE SAVINGS BANK — 2015
What BAY STATE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 352,724,000 | 349,872,000 | 356,031,000 | 358,979,000 |
| Total loans | 299,937,000 | 293,378,000 | 301,096,000 | 306,270,000 |
| Allowance for loan losses | 2,982,000 | 3,158,000 | 3,288,000 | 3,701,000 |
| Securities available for sale | 30,166,000 | 29,053,000 | 31,092,000 | 30,558,000 |
| Securities held to maturity | 515,000 | 515,000 | 515,000 | 515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,482,000 | 266,946,000 | 283,059,000 | 285,759,000 |
| Interest-bearing deposits | 212,209,000 | 221,017,000 | 231,610,000 | 229,252,000 |
| Noninterest-bearing deposits | 49,273,000 | 45,929,000 | 51,449,000 | 56,507,000 |
| Equity capital | 31,369,000 | 31,561,000 | 31,880,000 | 32,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,408,000 | 6,721,000 | 10,112,000 | 13,481,000 |
| Interest expense | 495,000 | 1,046,000 | 1,635,000 | 2,231,000 |
| Net interest income | 2,913,000 | 5,675,000 | 8,477,000 | 11,250,000 |
| Noninterest income | 448,000 | 1,148,000 | 1,483,000 | 1,829,000 |
| Noninterest expense | 2,544,000 | 5,185,000 | 7,682,000 | 10,263,000 |
| Provision for loan losses | 220,000 | 401,000 | 582,000 | 672,000 |
| Pretax income | 622,000 | 1,354,000 | 1,872,000 | 2,319,000 |
| Income tax | 201,000 | 450,000 | 625,000 | 774,000 |
| Net income | 421,000 | 904,000 | 1,247,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,345,000 | 30,653,000 | 30,968,000 | 31,325,000 |
| Total capital | 33,811,000 | 34,158,000 | 34,445,000 | 34,954,000 |
| Risk-weighted assets | 248,830,000 | 248,390,000 | 254,391,000 | 259,176,000 |