Call reports 2013
LOWELL FIVE CENT SAVINGS BANK, THE — 2013
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 906,604,000 | 924,762,000 | 922,527,000 | 919,401,000 |
| Total loans | 517,603,000 | 553,248,000 | 591,353,000 | 618,699,000 |
| Allowance for loan losses | 4,481,000 | 5,208,000 | 5,469,000 | 5,689,000 |
| Securities available for sale | 234,648,000 | 245,630,000 | 226,938,000 | 196,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 764,598,000 | 787,316,000 | 784,483,000 | 781,418,000 |
| Interest-bearing deposits | 738,374,000 | 760,491,000 | 754,228,000 | 751,072,000 |
| Noninterest-bearing deposits | 26,224,000 | 26,825,000 | 30,255,000 | 30,346,000 |
| Equity capital | 109,893,000 | 105,655,000 | 105,920,000 | 108,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,683,000 | 13,517,000 | 20,725,000 | 28,114,000 |
| Interest expense | 1,005,000 | 2,093,000 | 3,144,000 | 4,143,000 |
| Net interest income | 5,678,000 | 11,424,000 | 17,581,000 | 23,971,000 |
| Noninterest income | 1,062,000 | 2,038,000 | 3,113,000 | 4,167,000 |
| Noninterest expense | 6,272,000 | 12,212,000 | 18,213,000 | 24,444,000 |
| Provision for loan losses | 250,000 | 1,050,000 | 1,650,000 | 1,850,000 |
| Pretax income | 762,000 | 1,618,000 | 2,876,000 | 4,156,000 |
| Income tax | 221,000 | 469,000 | 834,000 | 1,122,000 |
| Net income | 541,000 | 1,149,000 | 2,042,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,169,000 | 107,776,000 | 108,669,000 | 109,662,000 |
| Total capital | 113,783,000 | 114,975,000 | 116,174,000 | 117,669,000 |
| Risk-weighted assets | 566,572,000 | 602,930,000 | 633,220,000 | 672,180,000 |