Call reports 2019
LOWELL FIVE CENT SAVINGS BANK, THE — 2019
What LOWELL FIVE CENT SAVINGS BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,146,995,000 | 1,163,381,000 | 1,181,248,000 | 1,190,583,000 |
| Total loans | 921,616,000 | 922,069,000 | 918,243,000 | 941,772,000 |
| Allowance for loan losses | 8,877,000 | 8,880,000 | 8,860,000 | 8,324,000 |
| Securities available for sale | 96,192,000 | 96,654,000 | 93,000,000 | 104,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 984,011,000 | 995,999,000 | 1,010,091,000 | 1,016,710,000 |
| Interest-bearing deposits | 823,907,000 | 835,511,000 | 854,027,000 | 854,094,000 |
| Noninterest-bearing deposits | 160,104,000 | 160,488,000 | 156,064,000 | 162,616,000 |
| Equity capital | 143,856,000 | 147,383,000 | 150,595,000 | 152,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 12,105,000 | 24,746,000 | 37,391,000 | 49,920,000 |
| Interest expense | 1,961,000 | 4,107,000 | 6,427,000 | 8,825,000 |
| Net interest income | 10,144,000 | 20,639,000 | 30,964,000 | 41,095,000 |
| Noninterest income | 927,000 | 1,901,000 | 2,912,000 | 3,916,000 |
| Noninterest expense | 8,124,000 | 16,163,000 | 24,008,000 | 31,950,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,300,000 | 7,901,000 | 11,821,000 | 15,988,000 |
| Income tax | 1,075,000 | 1,975,000 | 2,955,000 | 3,889,000 |
| Net income | 3,225,000 | 5,926,000 | 8,866,000 | 12,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,717,000 | 152,416,000 | 155,358,000 | 158,591,000 |
| Total capital | 158,750,000 | 161,459,000 | 164,386,000 | 167,090,000 |
| Risk-weighted assets | 951,005,000 | 954,674,000 | 931,726,000 | 965,245,000 |