Call reports 2015
LOWELL FIVE CENT SAVINGS BANK, THE — 2015
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 970,769,000 | 969,385,000 | 990,807,000 | 1,014,877,000 |
| Total loans | 689,043,000 | 703,275,000 | 736,415,000 | 754,171,000 |
| Allowance for loan losses | 6,801,000 | 5,988,000 | 6,202,000 | 6,771,000 |
| Securities available for sale | 155,215,000 | 163,519,000 | 160,976,000 | 140,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 824,946,000 | 823,131,000 | 842,497,000 | 865,732,000 |
| Interest-bearing deposits | 800,762,000 | 797,231,000 | 817,764,000 | 841,465,000 |
| Noninterest-bearing deposits | 24,184,000 | 25,900,000 | 24,733,000 | 24,267,000 |
| Equity capital | 113,553,000 | 113,455,000 | 114,928,000 | 115,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,969,000 | 16,218,000 | 24,861,000 | 33,762,000 |
| Interest expense | 947,000 | 1,915,000 | 2,865,000 | 3,809,000 |
| Net interest income | 7,022,000 | 14,303,000 | 21,996,000 | 29,953,000 |
| Noninterest income | 986,000 | 2,118,000 | 3,149,000 | 3,923,000 |
| Noninterest expense | 6,810,000 | 13,715,000 | 20,335,000 | 26,906,000 |
| Provision for loan losses | 500,000 | 806,000 | 1,105,000 | 1,668,000 |
| Pretax income | 1,393,000 | 2,706,000 | 4,811,000 | 6,770,000 |
| Income tax | 460,000 | 866,000 | 1,588,000 | 2,234,000 |
| Net income | 933,000 | 1,840,000 | 3,223,000 | 4,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,453,000 | 115,360,000 | 116,743,000 | 118,056,000 |
| Total capital | 123,077,000 | 123,059,000 | 124,125,000 | 126,172,000 |
| Risk-weighted assets | 758,475,000 | 788,487,000 | 821,443,000 | 816,164,000 |