Call reports 2007
HINGHAM INSTITUTION FOR SAVINGS — 2007
What HINGHAM INSTITUTION FOR SAVINGS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 699,418,000 | 709,521,000 | 743,829,000 | 744,599,000 |
| Total loans | 554,885,000 | 561,758,000 | 590,353,000 | 597,842,000 |
| Allowance for loan losses | 3,673,000 | 3,758,000 | 3,826,000 | 3,925,000 |
| Securities available for sale | 95,180,000 | 96,448,000 | 82,491,000 | 77,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,780,000 | 430,164,000 | 440,903,000 | 443,273,000 |
| Interest-bearing deposits | 378,350,000 | 384,994,000 | 395,978,000 | 396,851,000 |
| Noninterest-bearing deposits | 41,430,000 | 45,170,000 | 44,925,000 | 46,422,000 |
| Equity capital | 52,547,000 | 53,187,000 | 54,132,000 | 54,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,960,000 | 20,296,000 | 30,984,000 | 42,101,000 |
| Interest expense | 6,243,000 | 12,632,000 | 19,319,000 | 26,073,000 |
| Net interest income | 3,717,000 | 7,664,000 | 11,665,000 | 16,028,000 |
| Noninterest income | 417,000 | 829,000 | 1,244,000 | 1,708,000 |
| Noninterest expense | 2,656,000 | 5,290,000 | 7,938,000 | 10,587,000 |
| Provision for loan losses | 70,000 | 155,000 | 223,000 | 322,000 |
| Pretax income | 1,408,000 | 3,048,000 | 4,748,000 | 6,827,000 |
| Income tax | 463,000 | 1,013,000 | 1,589,000 | 2,337,000 |
| Net income | 945,000 | 2,035,000 | 3,159,000 | 4,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,027,000 | 53,657,000 | 54,379,000 | 54,890,000 |
| Total capital | 56,700,000 | 57,415,000 | 58,205,000 | 58,815,000 |
| Risk-weighted assets | 441,186,000 | 448,566,000 | 473,312,000 | 475,277,000 |
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