Call reports 2004
LOWELL FIVE CENT SAVINGS BANK, THE — 2004
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 654,367,000 | 674,842,000 | 702,145,000 | 687,114,000 |
| Total loans | 221,707,000 | 222,819,000 | 238,661,000 | 252,472,000 |
| Allowance for loan losses | 4,102,000 | 4,115,000 | 4,124,000 | 3,763,000 |
| Securities available for sale | 365,488,000 | 362,759,000 | 371,443,000 | 364,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 555,541,000 | 583,524,000 | 605,364,000 | 584,656,000 |
| Interest-bearing deposits | 540,556,000 | 563,674,000 | 589,448,000 | 573,622,000 |
| Noninterest-bearing deposits | 14,985,000 | 19,850,000 | 15,916,000 | 11,034,000 |
| Equity capital | 90,133,000 | 85,508,000 | 90,252,000 | 91,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,094,000 | 14,134,000 | 21,548,000 | 29,108,000 |
| Interest expense | 1,754,000 | 3,505,000 | 5,390,000 | 7,324,000 |
| Net interest income | 5,340,000 | 10,629,000 | 16,158,000 | 21,784,000 |
| Noninterest income | 555,000 | 1,139,000 | 1,748,000 | 2,463,000 |
| Noninterest expense | 4,143,000 | 8,299,000 | 12,453,000 | 16,976,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 2,199,000 | 4,181,000 | 6,372,000 | 8,574,000 |
| Income tax | 726,000 | 1,381,000 | 2,105,000 | 2,832,000 |
| Net income | 1,473,000 | 2,800,000 | 4,267,000 | 5,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,013,000 | 86,340,000 | 87,807,000 | 89,282,000 |
| Total capital | 91,913,000 | 92,962,000 | 94,468,000 | 95,910,000 |
| Risk-weighted assets | 338,192,000 | 335,010,000 | 359,821,000 | 363,850,000 |
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