Call reports 2001
LOWELL FIVE CENT SAVINGS BANK, THE — 2001
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 537,049,000 | 545,085,000 | 557,650,000 | 567,532,000 |
| Total loans | 296,740,000 | 296,513,000 | 298,838,000 | 282,843,000 |
| Allowance for loan losses | 5,149,000 | 5,225,000 | 5,261,000 | 5,308,000 |
| Securities available for sale | 188,133,000 | 188,498,000 | 192,140,000 | 216,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 890,000 | 689,000 | 337,000 | 319,000 |
| Total deposits | 454,605,000 | 461,778,000 | 472,482,000 | 481,526,000 |
| Interest-bearing deposits | 444,348,000 | 453,104,000 | 460,248,000 | 470,730,000 |
| Noninterest-bearing deposits | 10,257,000 | 8,674,000 | 12,234,000 | 10,796,000 |
| Equity capital | 74,195,000 | 75,376,000 | 77,145,000 | 78,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,883,000 | 17,720,000 | 26,324,000 | 34,933,000 |
| Interest expense | 4,214,000 | 8,559,000 | 12,562,000 | 16,278,000 |
| Net interest income | 4,669,000 | 9,161,000 | 13,762,000 | 18,655,000 |
| Noninterest income | 516,000 | 1,021,000 | 1,480,000 | 2,004,000 |
| Noninterest expense | 3,498,000 | 7,007,000 | 10,378,000 | 14,074,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 2,066,000 | 4,089,000 | 6,184,000 | 8,136,000 |
| Income tax | 723,000 | 1,431,000 | 2,137,000 | 2,810,000 |
| Net income | 1,343,000 | 2,658,000 | 4,047,000 | 5,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,951,000 | 69,266,000 | 70,655,000 | 71,934,000 |
| Total capital | 75,948,000 | 77,617,000 | 78,150,000 | 79,882,000 |
| Risk-weighted assets | 314,306,000 | 334,015,000 | 332,119,000 | 335,415,000 |
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