Call reports 2003
LOWELL FIVE CENT SAVINGS BANK, THE — 2003
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 626,125,000 | 632,172,000 | 643,956,000 | 644,767,000 |
| Total loans | 220,240,000 | 208,573,000 | 210,027,000 | 218,734,000 |
| Allowance for loan losses | 4,095,000 | 4,092,000 | 4,087,000 | 4,084,000 |
| Securities available for sale | 302,142,000 | 349,120,000 | 377,892,000 | 366,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,215,000 | 538,256,000 | 551,026,000 | 550,847,000 |
| Interest-bearing deposits | 522,702,000 | 523,169,000 | 533,072,000 | 537,984,000 |
| Noninterest-bearing deposits | 13,513,000 | 15,087,000 | 17,954,000 | 12,863,000 |
| Equity capital | 83,251,000 | 86,062,000 | 85,798,000 | 86,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,296,000 | 14,398,000 | 21,475,000 | 28,698,000 |
| Interest expense | 2,502,000 | 4,718,000 | 6,651,000 | 8,504,000 |
| Net interest income | 4,794,000 | 9,680,000 | 14,824,000 | 20,194,000 |
| Noninterest income | 559,000 | 1,064,000 | 1,714,000 | 2,409,000 |
| Noninterest expense | 3,861,000 | 7,697,000 | 11,610,000 | 15,634,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,493,000 | 3,674,000 | 5,765,000 | 8,142,000 |
| Income tax | 493,000 | 1,214,000 | 1,904,000 | 2,690,000 |
| Net income | 1,000,000 | 2,460,000 | 3,861,000 | 5,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,088,000 | 80,548,000 | 81,949,000 | 83,540,000 |
| Total capital | 84,402,000 | 86,781,000 | 88,212,000 | 90,405,000 |
| Risk-weighted assets | 328,185,000 | 335,870,000 | 327,864,000 | 332,347,000 |
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