Call reports 2006
LOWELL FIVE CENT SAVINGS BANK, THE — 2006
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 725,700,000 | 700,601,000 | 697,637,000 | 706,254,000 |
| Total loans | 345,168,000 | 353,089,000 | 351,743,000 | 355,684,000 |
| Allowance for loan losses | 3,892,000 | 3,891,000 | 3,866,000 | 5,752,000 |
| Securities available for sale | 309,841,000 | 272,340,000 | 275,580,000 | 275,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 572,438,000 | 562,988,000 | 535,076,000 | 549,755,000 |
| Interest-bearing deposits | 557,532,000 | 547,772,000 | 521,014,000 | 536,459,000 |
| Noninterest-bearing deposits | 14,906,000 | 15,216,000 | 14,062,000 | 13,296,000 |
| Equity capital | 92,438,000 | 92,389,000 | 97,181,000 | 97,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,463,000 | 17,261,000 | 25,983,000 | 34,806,000 |
| Interest expense | 3,209,000 | 6,593,000 | 10,064,000 | 13,901,000 |
| Net interest income | 5,254,000 | 10,668,000 | 15,919,000 | 20,905,000 |
| Noninterest income | 656,000 | 1,340,000 | 2,148,000 | 2,706,000 |
| Noninterest expense | 4,617,000 | 8,942,000 | 13,220,000 | 17,989,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000,000 |
| Pretax income | 1,534,000 | 2,807,000 | 5,477,000 | 4,527,000 |
| Income tax | 507,000 | 928,000 | 1,811,000 | 1,408,000 |
| Net income | 1,027,000 | 1,879,000 | 3,666,000 | 3,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,101,000 | 96,953,000 | 98,741,000 | 98,194,000 |
| Total capital | 102,537,000 | 103,259,000 | 104,912,000 | 105,958,000 |
| Risk-weighted assets | 419,178,000 | 396,051,000 | 415,995,000 | 417,172,000 |
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