Call reports 2002
LOWELL FIVE CENT SAVINGS BANK, THE — 2002
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 592,343,000 | 610,681,000 | 614,727,000 | 618,920,000 |
| Total loans | 276,296,000 | 281,440,000 | 263,299,000 | 233,867,000 |
| Allowance for loan losses | 5,318,000 | 5,317,000 | 5,318,000 | 4,093,000 |
| Securities available for sale | 244,306,000 | 233,952,000 | 305,868,000 | 332,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 402,000 | 483,000 | 362,000 | 0 |
| Total deposits | 506,867,000 | 524,371,000 | 528,911,000 | 528,418,000 |
| Interest-bearing deposits | 495,537,000 | 512,208,000 | 517,689,000 | 517,156,000 |
| Noninterest-bearing deposits | 11,330,000 | 12,163,000 | 11,222,000 | 11,262,000 |
| Equity capital | 78,284,000 | 79,486,000 | 79,645,000 | 83,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,234,000 | 16,107,000 | 24,135,000 | 31,983,000 |
| Interest expense | 3,342,000 | 6,810,000 | 10,216,000 | 13,141,000 |
| Net interest income | 4,892,000 | 9,297,000 | 13,919,000 | 18,842,000 |
| Noninterest income | 621,000 | 1,071,000 | 2,442,000 | 3,142,000 |
| Noninterest expense | 3,749,000 | 7,627,000 | 11,429,000 | 15,290,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | -1,193,000 |
| Pretax income | 2,022,000 | 3,405,000 | 5,998,000 | 8,888,000 |
| Income tax | 698,000 | 1,177,000 | 2,071,000 | 2,734,000 |
| Net income | 1,324,000 | 2,228,000 | 3,927,000 | 6,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,258,000 | 74,162,000 | 75,861,000 | 78,088,000 |
| Total capital | 81,524,000 | 81,287,000 | 81,150,000 | 83,886,000 |
| Risk-weighted assets | 344,969,000 | 343,692,000 | 332,762,000 | 331,125,000 |
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