Call reports 2011
LOWELL FIVE CENT SAVINGS BANK, THE — 2011
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 715,494,000 | 734,944,000 | 732,088,000 | 738,351,000 |
| Total loans | 398,811,000 | 404,403,000 | 423,541,000 | 421,566,000 |
| Allowance for loan losses | 4,286,000 | 4,517,000 | 3,324,000 | 3,476,000 |
| Securities available for sale | 221,792,000 | 239,700,000 | 225,152,000 | 234,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,637,000 | 602,288,000 | 596,118,000 | 601,244,000 |
| Interest-bearing deposits | 568,170,000 | 585,223,000 | 578,350,000 | 581,550,000 |
| Noninterest-bearing deposits | 16,467,000 | 17,065,000 | 17,768,000 | 19,694,000 |
| Equity capital | 100,914,000 | 102,548,000 | 104,574,000 | 106,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,330,000 | 13,097,000 | 20,197,000 | 27,158,000 |
| Interest expense | 1,260,000 | 2,576,000 | 3,835,000 | 5,026,000 |
| Net interest income | 5,070,000 | 10,521,000 | 16,362,000 | 22,132,000 |
| Noninterest income | 957,000 | 1,928,000 | 4,157,000 | 5,221,000 |
| Noninterest expense | 5,469,000 | 10,947,000 | 16,339,000 | 21,847,000 |
| Provision for loan losses | 0 | 350,000 | 600,000 | 750,000 |
| Pretax income | 726,000 | 1,919,000 | 4,375,000 | 5,850,000 |
| Income tax | 225,000 | 595,000 | 1,454,000 | 1,845,000 |
| Net income | 501,000 | 1,324,000 | 2,921,000 | 4,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,617,000 | 100,439,000 | 102,037,000 | 103,122,000 |
| Total capital | 105,393,000 | 106,307,000 | 106,163,000 | 107,801,000 |
| Risk-weighted assets | 459,830,000 | 465,097,000 | 459,610,000 | 459,398,000 |