Call reports 2007
LOWELL FIVE CENT SAVINGS BANK, THE — 2007
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 701,850,000 | 692,038,000 | 697,922,000 | 675,065,000 |
| Total loans | 360,883,000 | 359,959,000 | 355,006,000 | 346,574,000 |
| Allowance for loan losses | 5,750,000 | 5,736,000 | 8,122,000 | 3,383,000 |
| Securities available for sale | 262,320,000 | 251,429,000 | 251,873,000 | 250,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,763,000 | 578,100,000 | 553,162,000 | 523,156,000 |
| Interest-bearing deposits | 538,316,000 | 563,907,000 | 538,124,000 | 508,693,000 |
| Noninterest-bearing deposits | 14,447,000 | 14,193,000 | 15,038,000 | 14,463,000 |
| Equity capital | 98,634,000 | 98,277,000 | 100,410,000 | 101,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,600,000 | 17,226,000 | 25,787,000 | 34,071,000 |
| Interest expense | 3,964,000 | 7,769,000 | 11,550,000 | 15,365,000 |
| Net interest income | 4,636,000 | 9,457,000 | 14,237,000 | 18,706,000 |
| Noninterest income | 822,000 | 1,565,000 | 2,339,000 | 3,169,000 |
| Noninterest expense | 4,833,000 | 9,439,000 | 13,638,000 | 18,611,000 |
| Provision for loan losses | 0 | 0 | 2,390,000 | 4,838,000 |
| Pretax income | 992,000 | 2,294,000 | 1,938,000 | -69,000 |
| Income tax | 310,000 | 715,000 | 506,000 | -78,000 |
| Net income | 682,000 | 1,579,000 | 1,432,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,876,000 | 99,774,000 | 99,626,000 | 98,204,000 |
| Total capital | 106,440,000 | 107,272,000 | 106,800,000 | 103,561,000 |
| Risk-weighted assets | 416,560,000 | 419,436,000 | 409,470,000 | 401,393,000 |
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