Call reports 2017
BAY STATE SAVINGS BANK — 2017
What BAY STATE SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 392,491,000 | 396,256,000 | 394,256,000 | 396,970,000 |
| Total loans | 336,238,000 | 341,118,000 | 340,744,000 | 347,920,000 |
| Allowance for loan losses | 4,292,000 | 4,506,000 | 4,365,000 | 4,415,000 |
| Securities available for sale | 29,086,000 | 29,808,000 | 28,459,000 | 26,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,959,000 | 300,301,000 | 302,066,000 | 305,309,000 |
| Interest-bearing deposits | 249,019,000 | 247,370,000 | 248,027,000 | 250,242,000 |
| Noninterest-bearing deposits | 52,940,000 | 52,931,000 | 54,039,000 | 55,067,000 |
| Equity capital | 35,506,000 | 36,013,000 | 36,481,000 | 36,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,516,000 | 7,258,000 | 10,990,000 | 14,776,000 |
| Interest expense | 643,000 | 1,319,000 | 2,022,000 | 2,746,000 |
| Net interest income | 2,873,000 | 5,939,000 | 8,968,000 | 12,030,000 |
| Noninterest income | 342,000 | 705,000 | 1,217,000 | 1,454,000 |
| Noninterest expense | 2,642,000 | 5,352,000 | 8,180,000 | 11,007,000 |
| Provision for loan losses | 153,000 | 333,000 | 484,000 | 639,000 |
| Pretax income | 3,131,000 | 3,673,000 | 4,300,000 | 4,646,000 |
| Income tax | 1,211,000 | 1,366,000 | 1,552,000 | 1,773,000 |
| Net income | 1,920,000 | 2,307,000 | 2,748,000 | 2,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,339,000 | 34,799,000 | 35,259,000 | 35,374,000 |
| Total capital | 38,549,000 | 39,084,000 | 39,625,000 | 39,907,000 |
| Risk-weighted assets | 289,358,000 | 291,490,000 | 296,488,000 | 301,542,000 |