Call reports 2005
LOWELL FIVE CENT SAVINGS BANK, THE — 2005
What LOWELL FIVE CENT SAVINGS BANK, THE 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 | 682,991,000 | 689,095,000 | 709,717,000 | 723,033,000 |
| Total loans | 269,212,000 | 297,371,000 | 315,097,000 | 333,626,000 |
| Allowance for loan losses | 3,755,000 | 3,808,000 | 3,820,000 | 3,890,000 |
| Securities available for sale | 353,543,000 | 331,720,000 | 326,788,000 | 320,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,665,000 | 565,145,000 | 573,108,000 | 570,266,000 |
| Interest-bearing deposits | 563,473,000 | 551,166,000 | 557,803,000 | 556,554,000 |
| Noninterest-bearing deposits | 12,192,000 | 13,979,000 | 15,305,000 | 13,712,000 |
| Equity capital | 89,203,000 | 93,391,000 | 92,793,000 | 92,765,000 |
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 | 7,575,000 | 15,235,000 | 23,296,000 | 31,606,000 |
| Interest expense | 1,935,000 | 4,011,000 | 6,413,000 | 9,226,000 |
| Net interest income | 5,640,000 | 11,224,000 | 16,883,000 | 22,380,000 |
| Noninterest income | 918,000 | 1,655,000 | 2,281,000 | 2,868,000 |
| Noninterest expense | 4,454,000 | 8,632,000 | 12,799,000 | 17,235,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,266,000 | 4,307,000 | 6,694,000 | 8,521,000 |
| Income tax | 748,000 | 1,422,000 | 2,210,000 | 2,728,000 |
| Net income | 1,518,000 | 2,885,000 | 4,484,000 | 5,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,800,000 | 92,167,000 | 93,766,000 | 95,075,000 |
| Total capital | 97,091,000 | 98,536,000 | 100,182,000 | 101,409,000 |
| Risk-weighted assets | 376,256,000 | 387,972,000 | 405,111,000 | 419,227,000 |
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