Call reports 2005
HAMPDEN BANK — 2005
What HAMPDEN BANK 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 | 415,499,000 | 417,350,000 | 434,736,000 | 449,610,000 |
| Total loans | 267,508,000 | 270,679,000 | 278,781,000 | 290,351,000 |
| Allowance for loan losses | 3,599,000 | 3,643,000 | 3,690,000 | 3,645,000 |
| Securities available for sale | 122,649,000 | 120,529,000 | 129,214,000 | 129,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,505,000 | 311,929,000 | 315,030,000 | 312,081,000 |
| Interest-bearing deposits | 285,959,000 | 283,567,000 | 284,086,000 | 279,647,000 |
| Noninterest-bearing deposits | 27,546,000 | 28,362,000 | 30,944,000 | 32,434,000 |
| Equity capital | 31,120,000 | 32,044,000 | 31,843,000 | 31,932,000 |
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 | 5,173,000 | 10,610,000 | 16,158,000 | 22,016,000 |
| Interest expense | 2,297,000 | 4,732,000 | 7,405,000 | 10,438,000 |
| Net interest income | 2,876,000 | 5,878,000 | 8,753,000 | 11,578,000 |
| Noninterest income | 311,000 | 648,000 | 948,000 | 1,258,000 |
| Noninterest expense | 2,605,000 | 5,215,000 | 7,811,000 | 10,376,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 538,000 | 1,217,000 | 1,745,000 | 2,264,000 |
| Income tax | 184,000 | 363,000 | 524,000 | 677,000 |
| Net income | 354,000 | 854,000 | 1,221,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,878,000 | 32,354,000 | 32,719,000 | 33,148,000 |
| Total capital | 35,461,000 | 35,903,000 | 36,397,000 | 36,793,000 |
| Risk-weighted assets | 286,641,000 | 283,862,000 | 294,265,000 | 305,232,000 |