Call reports 2004
HINGHAM INSTITUTION FOR SAVINGS — 2004
What HINGHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 489,387,000 | 526,022,000 | 529,151,000 | 547,036,000 |
| Total loans | 369,161,000 | 388,981,000 | 402,777,000 | 418,611,000 |
| Allowance for loan losses | 3,015,000 | 3,036,000 | 3,030,000 | 3,070,000 |
| Securities available for sale | 75,773,000 | 81,062,000 | 81,391,000 | 89,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,339,000 | 332,444,000 | 329,042,000 | 336,042,000 |
| Interest-bearing deposits | 263,976,000 | 291,936,000 | 292,268,000 | 296,025,000 |
| Noninterest-bearing deposits | 36,363,000 | 40,508,000 | 36,774,000 | 40,017,000 |
| Equity capital | 42,204,000 | 42,156,000 | 43,774,000 | 44,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,277,000 | 12,636,000 | 19,245,000 | 26,151,000 |
| Interest expense | 2,186,000 | 4,374,000 | 6,699,000 | 9,154,000 |
| Net interest income | 4,091,000 | 8,262,000 | 12,546,000 | 16,997,000 |
| Noninterest income | 365,000 | 721,000 | 1,085,000 | 1,485,000 |
| Noninterest expense | 2,295,000 | 4,578,000 | 6,831,000 | 9,185,000 |
| Provision for loan losses | 23,000 | 47,000 | 39,000 | 80,000 |
| Pretax income | 2,218,000 | 4,438,000 | 6,841,000 | 9,297,000 |
| Income tax | 815,000 | 1,643,000 | 2,547,000 | 3,473,000 |
| Net income | 1,403,000 | 2,795,000 | 4,294,000 | 5,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,228,000 | 43,259,000 | 44,373,000 | 45,112,000 |
| Total capital | 45,252,000 | 46,295,000 | 47,407,000 | 48,182,000 |
| Risk-weighted assets | 303,597,000 | 323,110,000 | 329,762,000 | 342,910,000 |
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