Call reports 2017
LOWELL FIVE CENT SAVINGS BANK, THE — 2017
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,102,954,000 | 1,112,589,000 | 1,121,294,000 | 1,107,786,000 |
| Total loans | 834,312,000 | 838,995,000 | 860,350,000 | 875,407,000 |
| Allowance for loan losses | 7,774,000 | 8,326,000 | 7,633,000 | 8,137,000 |
| Securities available for sale | 122,348,000 | 127,689,000 | 125,157,000 | 110,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 934,860,000 | 944,507,000 | 950,458,000 | 955,245,000 |
| Interest-bearing deposits | 808,095,000 | 815,349,000 | 810,413,000 | 816,358,000 |
| Noninterest-bearing deposits | 126,765,000 | 129,158,000 | 140,045,000 | 138,887,000 |
| Equity capital | 127,734,000 | 130,158,000 | 132,527,000 | 131,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 9,626,000 | 19,664,000 | 30,158,000 | 40,781,000 |
| Interest expense | 1,153,000 | 2,420,000 | 3,710,000 | 4,908,000 |
| Net interest income | 8,473,000 | 17,244,000 | 26,448,000 | 35,873,000 |
| Noninterest income | 12,989,000 | 14,553,000 | 15,528,000 | 16,509,000 |
| Noninterest expense | 11,116,000 | 18,323,000 | 25,548,000 | 33,204,000 |
| Provision for loan losses | 250,000 | 800,000 | 1,000,000 | 2,800,000 |
| Pretax income | 10,066,000 | 12,644,000 | 15,404,000 | 16,394,000 |
| Income tax | 3,427,000 | 4,064,000 | 4,968,000 | 5,641,000 |
| Net income | 6,639,000 | 8,580,000 | 10,436,000 | 10,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,030,000 | 131,970,000 | 133,827,000 | 134,577,000 |
| Total capital | 139,852,000 | 142,475,000 | 143,970,000 | 145,558,000 |
| Risk-weighted assets | 917,809,000 | 944,437,000 | 986,861,000 | 1,001,969,000 |