Call reports 2010
LOWELL FIVE CENT SAVINGS BANK, THE — 2010
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 690,878,000 | 694,008,000 | 694,733,000 | 700,547,000 |
| Total loans | 391,079,000 | 394,915,000 | 405,015,000 | 393,619,000 |
| Allowance for loan losses | 3,721,000 | 4,213,000 | 4,248,000 | 4,386,000 |
| Securities available for sale | 181,492,000 | 192,619,000 | 191,134,000 | 212,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 560,449,000 | 562,916,000 | 562,336,000 | 568,729,000 |
| Interest-bearing deposits | 545,493,000 | 547,026,000 | 546,275,000 | 551,939,000 |
| Noninterest-bearing deposits | 14,956,000 | 15,890,000 | 16,061,000 | 16,790,000 |
| Equity capital | 100,111,000 | 100,617,000 | 101,521,000 | 100,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,657,000 | 13,388,000 | 20,027,000 | 26,499,000 |
| Interest expense | 1,566,000 | 3,030,000 | 4,428,000 | 5,767,000 |
| Net interest income | 5,091,000 | 10,358,000 | 15,599,000 | 20,732,000 |
| Noninterest income | 937,000 | 1,909,000 | 2,890,000 | 3,887,000 |
| Noninterest expense | 4,977,000 | 10,108,000 | 15,396,000 | 20,561,000 |
| Provision for loan losses | 78,000 | 566,000 | 616,000 | 890,000 |
| Pretax income | 1,107,000 | 2,232,000 | 3,116,000 | 4,078,000 |
| Income tax | 343,000 | 692,000 | 966,000 | 1,268,000 |
| Net income | 764,000 | 1,540,000 | 2,150,000 | 2,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,034,000 | 96,980,000 | 98,455,000 | 99,115,000 |
| Total capital | 100,897,000 | 101,898,000 | 103,784,000 | 104,851,000 |
| Risk-weighted assets | 436,740,000 | 434,587,000 | 454,323,000 | 454,774,000 |