Call reports 2005
HINGHAM INSTITUTION FOR SAVINGS — 2005
What HINGHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 562,313,000 | 585,805,000 | 604,202,000 | 628,244,000 |
| Total loans | 430,811,000 | 448,484,000 | 471,535,000 | 491,445,000 |
| Allowance for loan losses | 3,119,000 | 3,203,000 | 3,245,000 | 3,316,000 |
| Securities available for sale | 88,485,000 | 90,074,000 | 90,848,000 | 91,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,050,000 | 357,549,000 | 368,892,000 | 365,775,000 |
| Interest-bearing deposits | 310,334,000 | 309,780,000 | 317,015,000 | 320,045,000 |
| Noninterest-bearing deposits | 44,716,000 | 47,769,000 | 51,877,000 | 45,730,000 |
| Equity capital | 45,113,000 | 46,634,000 | 47,572,000 | 48,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,081,000 | 14,444,000 | 22,187,000 | 30,419,000 |
| Interest expense | 2,565,000 | 5,373,000 | 8,585,000 | 12,389,000 |
| Net interest income | 4,516,000 | 9,071,000 | 13,602,000 | 18,030,000 |
| Noninterest income | 371,000 | 760,000 | 1,149,000 | 1,597,000 |
| Noninterest expense | 2,406,000 | 4,763,000 | 7,178,000 | 9,520,000 |
| Provision for loan losses | 49,000 | 131,000 | 173,000 | 244,000 |
| Pretax income | 2,432,000 | 4,937,000 | 7,400,000 | 9,863,000 |
| Income tax | 915,000 | 1,852,000 | 2,774,000 | 3,692,000 |
| Net income | 1,517,000 | 3,085,000 | 4,626,000 | 6,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,386,000 | 47,560,000 | 48,749,000 | 49,704,000 |
| Total capital | 49,505,000 | 50,770,000 | 51,994,000 | 53,020,000 |
| Risk-weighted assets | 353,110,000 | 362,059,000 | 375,968,000 | 389,904,000 |
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