Call reports 2012
LOWELL FIVE CENT SAVINGS BANK, THE — 2012
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 762,580,000 | 810,825,000 | 815,823,000 | 825,845,000 |
| Total loans | 431,498,000 | 466,493,000 | 487,469,000 | 508,823,000 |
| Allowance for loan losses | 3,456,000 | 3,701,000 | 3,851,000 | 4,253,000 |
| Securities available for sale | 230,469,000 | 209,669,000 | 235,254,000 | 221,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 624,695,000 | 670,803,000 | 672,909,000 | 683,654,000 |
| Interest-bearing deposits | 602,646,000 | 651,184,000 | 651,914,000 | 662,054,000 |
| Noninterest-bearing deposits | 22,049,000 | 19,619,000 | 20,995,000 | 21,600,000 |
| Equity capital | 106,696,000 | 108,055,000 | 109,736,000 | 109,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,866,000 | 13,723,000 | 20,528,000 | 27,455,000 |
| Interest expense | 1,100,000 | 2,203,000 | 3,317,000 | 4,390,000 |
| Net interest income | 5,766,000 | 11,520,000 | 17,211,000 | 23,065,000 |
| Noninterest income | 984,000 | 1,980,000 | 3,065,000 | 4,132,000 |
| Noninterest expense | 5,828,000 | 11,716,000 | 17,519,000 | 22,339,000 |
| Provision for loan losses | 0 | 250,000 | 400,000 | 800,000 |
| Pretax income | 1,134,000 | 2,105,000 | 3,088,000 | 4,863,000 |
| Income tax | 357,000 | 653,000 | 957,000 | 1,357,000 |
| Net income | 777,000 | 1,452,000 | 2,131,000 | 3,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,899,000 | 104,574,000 | 105,253,000 | 106,628,000 |
| Total capital | 108,886,000 | 109,764,000 | 110,698,000 | 112,431,000 |
| Risk-weighted assets | 480,077,000 | 497,731,000 | 527,076,000 | 541,106,000 |