Call reports 2009
LOWELL FIVE CENT SAVINGS BANK, THE — 2009
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 667,962,000 | 671,417,000 | 670,732,000 | 683,406,000 |
| Total loans | 331,142,000 | 348,259,000 | 366,086,000 | 381,031,000 |
| Allowance for loan losses | 3,273,000 | 3,429,000 | 3,577,000 | 3,796,000 |
| Securities available for sale | 222,631,000 | 208,819,000 | 212,962,000 | 204,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,872,000 | 542,651,000 | 539,964,000 | 554,491,000 |
| Interest-bearing deposits | 528,142,000 | 527,993,000 | 526,923,000 | 538,865,000 |
| Noninterest-bearing deposits | 12,730,000 | 14,658,000 | 13,041,000 | 15,626,000 |
| Equity capital | 95,356,000 | 96,333,000 | 98,159,000 | 98,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,083,000 | 13,833,000 | 20,596,000 | 27,427,000 |
| Interest expense | 2,240,000 | 4,299,000 | 6,168,000 | 7,933,000 |
| Net interest income | 4,843,000 | 9,534,000 | 14,428,000 | 19,494,000 |
| Noninterest income | 811,000 | 973,000 | 1,919,000 | 2,916,000 |
| Noninterest expense | 4,804,000 | 9,988,000 | 15,202,000 | 20,362,000 |
| Provision for loan losses | 75,000 | 350,000 | 550,000 | 800,000 |
| Pretax income | 879,000 | 971,000 | 1,714,000 | 2,367,000 |
| Income tax | 273,000 | 302,000 | 531,000 | 734,000 |
| Net income | 606,000 | 669,000 | 1,183,000 | 1,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,278,000 | 95,342,000 | 95,855,000 | 95,134,000 |
| Total capital | 98,754,000 | 99,394,000 | 100,390,000 | 99,993,000 |
| Risk-weighted assets | 425,713,000 | 439,488,000 | 434,711,000 | 436,327,000 |